ZBT NATIONAL HOUSING INC (EIN 136132602) - 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

1939

Legal Domicile

Principal Officer

CLIFF SCHNEIDER

Phone

3173341898

Tax Period

2023-08-01 to 2024-07-31

ZBT NATIONAL HOUSING INC, founded in 1939, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. Revenue surged 694% from the prior year, signaling strong growth momentum. Expenses of $1.3M exceeded revenue, resulting in a 15% operating deficit.

Mission

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

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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 $1,087,438

Investment Income $15,413

Other Revenue $0

TOTAL REVENUE $1,102,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $257,774

Fundraising Expenses $0

Other Expenses $1,008,739

TOTAL EXPENSES $1,266,513

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,102,851	$138,827	+6.9%
Expenses	$1,266,513	$189,085	+5.7%
Net Income	$-163,662	$-50,258	+2.3%

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

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

$116,923

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
BRANDSON KEENE	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG J WILD CPA	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN FRIEDEN	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
ALLEN KUMETZ	DIRECTOR UNTIL JUNE 2024	1.00	Director	$0	$0	$0
MICHAEL WEINER	DIRECTOR UNITL JUNE 2024	1.00	Director	$0	$0	$0
AMANDA ANDERT	DIRECTOR OF OPERATIONS	40.00	Officer	$106,268	$10,655	$116,923

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
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

ZBT NATIONAL HOUSING INC