IMMANUEL TRINITY AFFORDABLE INC (EIN 113742894) - 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

2004

Legal Domicile

Principal Officer

SCOTT BEAR

Phone

4028292900

Tax Period

2023-07-01 to 2024-06-30

IMMANUEL TRINITY AFFORDABLE INC, founded in 2004, is a community nonprofit in the Housing & Shelter sector that reported $1.6M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $2.0M exceeded revenue, resulting in a 19% operating deficit.

Mission

PROVIDE LOW-INCOME HOUSING FOR THE ELDERLY AND DISABLED.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,574,653

Investment Income $68,481

Other Revenue $0

TOTAL REVENUE $1,643,134

Expense Breakdown

Grants Paid $0

Salaries & Benefits $564,888

Fundraising Expenses $0

Program Expenses $1,375,422

Other Expenses $1,394,116

TOTAL EXPENSES $1,959,004

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,643,134	$1,318,583	+0.2%
Expenses	$1,959,004	$2,059,251	0.0%
Net Income	$-315,870	$-740,668	-0.6%

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

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

$1,977,943

Total Directors

$14,963

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN FRIEDLUND	CHAIR	0.10	Officer Director	$0	$0	$0
DEBORAH CONLEY	VICE CHAIR	0.10	Officer Director	$0	$0	$0
BRENDA BERGMAN-EVANS PHD	APRN, MEMBER	0.10	Director	$0	$0	$14,963
BETTY FOSTER PHD	MEMBER	0.10	Director	$0	$0	$0
MARY BALLUFF	MEMBER	0.10	Director	$0	$0	$0
REV TIMOTHY KOESTER	MEMBER	0.10	Director	$0	$0	$0
DELIGHT WREED BYRD	MEMBER	0.10	Director	$0	$0	$0
CAROLINA PADILLA	MEMBER	0.10	Director	$0	$0	$0
ERIC N GURLEY	PRESIDENT & CEO/SECRETARY	2.00	Officer	$0	$278,087	$893,905
JULIE PALADINO-KAMINSKI	CHIEF OPERATING OFFICER	1.00	Officer	$0	$58,944	$390,458
SCOTT BEAR	CFO & TREASURER	3.00	Officer	$0	$49,369	$378,740
TAMMY SEALER	CHIEF DEVELOPMENT OFFICER	1.00	Officer	$0	$35,243	$314,840
RHONDA DISTEFANO VP	CONSTR, FACILITIES MGMT & ENV SVCS	2.00	Highest	$0	$26,531	$281,711
ELIZABETH HARRIS SVP	HR STRATEGY & EE EXPERIENCE	1.00	Highest	$0	$36,372	$242,528
MARVIN PEARSON	VP INFORMATION TECHNOLOGY	2.00	Highest	$0	$8,069	$229,712
JOHN CROGHAN	VP COMMUNITY OPERATIONS	2.00	Highest	$0	$54,561	$271,627
BRYNN RODGERS	DIRECTOR OF COMMUNITY OPERATIONS	2.00	Highest	$0	$9,996	$201,150

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	No data	No data	No data	No data
2024	$1,643,134	$1,959,004	$7,668,384	$-315,870
2023	$1,318,583	$2,059,251	$7,924,865	$-740,668
2022	$1,225,913	$2,052,915	$8,592,910	$-827,002
2021	$1,130,693	$2,001,083	$9,311,092	$-870,390
2020	$1,165,377	$2,020,930	$10,164,060	$-855,553
2019	$1,101,718	$2,000,676	$11,061,805	$-898,958
2018	$1,561,530	$2,105,825	$11,889,097	$-544,295

IMMANUEL TRINITY AFFORDABLE INC