445 VIP HDFC (EIN 133680210) - 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

1992

Legal Domicile

Principal Officer

DEBBIAN FLETCHER-BLAKE

Phone

7185835150

Tax Period

2022-07-01 to 2023-06-30

445 VIP HDFC, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $931K in total revenue in fiscal year 2022. Expenses of $1.0M exceeded revenue, resulting in a 11% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING IN THE SOUTH BRONX, NY.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $922,093

Investment Income $6,491

Other Revenue $2,242

TOTAL REVENUE $930,826

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $693,855

Other Expenses $1,035,400

TOTAL EXPENSES $1,035,400

Year-over-Year Comparison

	2022	2021	Change
Revenue	$930,826	$911,651	+0.0%
Expenses	$1,035,400	$1,065,989	0.0%
Net Income	$-104,574	$-154,338	-0.3%

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

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

$663,766

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JODI STURGEON	DIRECTOR	0.50	Director	$0	$0	$0
JOHN P NERO	VICE CHAIR	0.50	Officer Director	$0	$0	$0
SALVATORE GOGLIORMELLA	SECRETARY	0.50	Officer Director	$0	$0	$0
SETH TOWNSEND	DIRECTOR	0.50	Director	$0	$0	$0
WILLIAM TRUST JR	TREASURER	0.50	Officer Director	$0	$0	$0
ZENALI TIRADO	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
DEBBIAN FLETCHER-BLAKE	PRESIDENT/CEO	4.00	Officer	$0	$50,896	$404,440
FRANK KPLOANYI	CFO	4.00	Officer	$0	$35,309	$259,326

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	No data	No data	No data	No data
2023	$930,826	$1,035,400	$3,047,275	$-104,574
2022	$911,651	$1,065,989	$3,152,617	$-154,338
2021	$935,600	$928,305	$3,270,996	$7,295
2020	$927,305	$846,097	$3,279,833	$81,208
2019	$904,128	$815,265	$3,190,462	$88,863
2018	$899,172	$737,677	$3,096,689	$161,495

445 VIP HDFC