FINANCIAL INSTITUTIONS HOUSING OPP… - Form 990 Financial Data

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

BREANNE HANCOCK

Phone

6017184642

Tax Period

2025-01-01 to 2025-12-31

FINANCIAL INSTITUTIONS HOUSING OPPORTUNITY POOL, founded in 2004, is a micro nonprofit in the Housing & Shelter sector that reported $82K in total revenue in fiscal year 2025. Expenses of $136K exceeded revenue, resulting in a 65% operating deficit.

Mission

PROVIDE AFFORDABLE HOUSING IN MISSISSIPPI FOR PERSONS WITH LOW INCOME

Program Service Accomplishments

Program 1

Expenses: $78,139 Revenue: $60,922

ASSIST IN THE CONSTRUCTION, DEVELOPMENT, OR REHABILITATION OF RESIDENTIAL MULTI-FAMILY HOUSING, IN MISSISSIPPI, FOR PERSONS OF LOW TO MODERATE INCOME

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $3,000

Program Service Revenue $57,922

Investment Income $21,398

Other Revenue $0

TOTAL REVENUE $82,320

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $78,139

Other Expenses $135,510

TOTAL EXPENSES $135,510

Year-over-Year Comparison

	2025	2024	Change
Revenue	$82,320	$83,651	0.0%
Expenses	$135,510	$74,720	+0.8%
Net Income	$-53,190	$8,931	-7.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW BOLTON	ADMINISTRATOR	1.00	Director	$0	$0	$0
JASON DUREN	CHAIRMAN	2.00	Director	$0	$0	$0
MATTHEW CREEKMORE	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY MONTGOMERY	DIRECTOR	1.00	Director	$0	$0	$0
MARK WERNETTE	DIRECTOR	1.00	Director	$0	$0	$0
DWAYNE MEYERS	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM C LEHR	DIRECTOR	1.00	Director	$0	$0	$0
TRACY ALFORD	DIRECTOR	1.00	Director	$0	$0	$0
DELLA BREWSTER	DIRECTOR	1.00	Director	$0	$0	$0
CHAD BOARMAN	DIRECTOR	1.00	Director	$0	$0	$0
SANDY COLLINS	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE GAMMON	DIRECTOR	1.00	Director	$0	$0	$0
JASON LUNCEFORD	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HANCOCK	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVEN COOKSEY	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
BERNARD BRIDGES	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
BREANNE HANCOCK	CHIEF FINANCIAL OFFICER	2.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$82,320	$135,510	$939,887	$-53,190
2024	$83,651	$74,720	$972,789	$8,931
2023	$112,892	$43,784	$976,003	$69,108
2022	$90,004	$53,819	$917,162	$36,185
2021	$60,386	$7,006	$855,940	$53,380
2020	$83,549	$12,365	$811,767	$71,184
2019	$83,063	$23,415	$793,917	$59,648
2018	$66,449	$18,623	$699,703	$47,826

FINANCIAL INSTITUTIONS HOUSING OPPORTUNITY POOL