Community Housing Council of Fresno (EIN 113686123) - Form 990 Financial Analysis & Trantor Score

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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

2003

Legal Domicile

Phone

5592216919

Tax Period

2024-06-01 to 2025-05-31

Community Housing Council of Fresno, founded in 2003, is a small nonprofit in the Housing & Shelter sector that reported $543K in total revenue in fiscal year 2024. Revenue surged 72% from the prior year, signaling strong growth momentum. The organization ran a surplus of $93K, a strong 17% operating margin.

Mission

THE ORGANIZATION STRIVES TO PROMOTE FAIR HOUSING OPPORTUNITIES AND TO ENCOURAGE HOME OWNERSHIP BY PROVIDING EDUCATION, COUNSELING AND FINANCIAL SERVICES TO PERSONS SEEKING HOME OWNERSHIP, WITH A SPECIAL EMPHASIS TOWARD LOW TO MODERATE INCOME FAMILIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $480,515

Program Service Revenue $33,231

Investment Income $58

Other Revenue $29,364

TOTAL REVENUE $543,168

Expense Breakdown

Grants Paid $0

Salaries & Benefits $304,821

Fundraising Expenses $3,649

Program Expenses $362,645

Other Expenses $145,532

TOTAL EXPENSES $450,353

Year-over-Year Comparison

	2024	2023	Change
Revenue	$543,168	$315,026	+0.7%
Expenses	$450,353	$670,188	-0.3%
Net Income	$92,815	$-355,162	-1.3%

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

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

$85,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMBER CASTRO	Executive Dir.	40.00	Officer	$85,000	$0	$85,000
SHERYL CANTU	President	2.00	Officer Director	$0	$0	$0
DON SCORDINO	PRESIDENT-ELECT	2.00	Officer Director	$0	$0	$0
BOB SILVEIRA	Treasurer	2.00	Officer Director	$0	$0	$0
LARRY ROSELLE	Director	2.00	Director	$0	$0	$0
LYNETTE BAKER	Secretary	2.00	Officer Director	$0	$0	$0
JOAQUIN AVILA	Director	2.00	Director	$0	$0	$0
GENE O'BRIEN JR	Director	2.00	Director	$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	$543,168	$450,353	$279,630	$92,815
2024	$315,026	$670,188	$179,970	$-355,162
2023	$677,517	$804,089	$756,830	$-126,572
2022	$696,367	$601,600	$842,424	$94,767
2021	$1,451,502	$1,337,957	$498,504	$113,545
2020	$226,991	$282,637	$272,303	$-55,646
2019	$262,210	$319,307	$275,744	$-57,097

Community Housing Council of Fresno