ZBT NATIONAL HOUSING INC

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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

1939

Legal Domicile

Principal Officer

CLIFF SCHNEIDER

Phone

3173341898

Tax Period

2024-08-01 to 2025-07-31

ZBT NATIONAL HOUSING INC, founded in 1939, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $1.5M exceeded revenue, resulting in a 28% operating deficit.

Mission

TO RAISE FUNDS TO LOAN TO FRATERNITY CHAPTERS AND HOLD TITLE TO CHAPTER HOUSING PROPERTY.

Program Service Accomplishments

Program 1

TO PROVIDE FRATERNITY LOANS

Program 2

TO PROVIDE CHAPTER HOUSING

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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 $0

Program Service Revenue $1,133,716

Investment Income $71,430

Other Revenue $0

TOTAL REVENUE $1,205,146

Expense Breakdown

Grants Paid $0

Salaries & Benefits $292,998

Fundraising Expenses $0

Other Expenses $1,244,414

TOTAL EXPENSES $1,537,412

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,205,146	$1,102,851	+0.1%
Expenses	$1,537,412	$1,266,513	+0.2%
Net Income	$-332,266	$-163,662	+1.0%

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

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

$132,001

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLIFF SCHNEIDER	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOEL EPSTEIN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BRIAN KUSHNER	TREASURER	1.00	Officer Director	$0	$0	$0
ROBERT AUGUSTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
MYLES BECK	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY LEVIEN	DIRECTOR	1.00	Director	$0	$0	$0
BRANDON KEENE	DIRECTOR	1.00	Director	$0	$0	$0
SETH LEVINE EDD CPA	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
BARRY AARONS	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
AMANDA ANDERT	DIRECTOR OF OPERATIONS	40.00	Officer	$127,266	$4,735	$132,001

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	$1,205,146	$1,537,412	$5,054,407	$-332,266
2024	$1,102,851	$1,266,513	$5,563,302	$-163,662
2023	$999,589	$1,131,179	$5,481,108	$-131,590
2023	$138,827	$189,085	$5,537,628	$-50,258
2022	$1,013,179	$1,165,657	$5,637,243	$-152,478
2021	$738,432	$703,174	$5,875,913	$35,258
2020	$1,544,392	$747,855	$5,299,675	$796,537
2019	$1,069,131	$543,543	$3,797,441	$525,588