CAPITAL AFFORDABLE HOUSING FUNDING… - Form 990 Financial Data

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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

1989

Legal Domicile

Principal Officer

SUSAN COTNER

Phone

5184341730

Tax Period

2024-05-01 to 2025-04-30

CAPITAL AFFORDABLE HOUSING FUNDING CORPORATION, founded in 1989, is a micro nonprofit that reported $77K in total revenue in fiscal year 2024. Revenue surged 227% from the prior year, signaling strong growth momentum. Expenses of $74K left a modest 4% surplus.

Mission

TO PROVIDE LOANS TO LOW AND MODERATE INCOME FAMILIES TO ASSIST THEM IN OBTAINING QUALIFIED HOUSING.

Program Service Accomplishments

Program 1

Expenses: $60,371 Revenue: $74,421

PROVIDED LOW COST MORTGAGE FINANCING WITH FLEXIBLE UNDERWRITING CRITERIA TARGETED TO LOW AND MODERATE INCOME FAMILIES. OVER AN ELEVEN-YEAR PERIOD ENDING IN 2001, THE CORPORATION PROVIDED $21.2...

PROVIDED LOW COST MORTGAGE FINANCING WITH FLEXIBLE UNDERWRITING CRITERIA TARGETED TO LOW AND MODERATE INCOME FAMILIES. OVER AN ELEVEN-YEAR PERIOD ENDING IN 2001, THE CORPORATION PROVIDED $21.2 MILLION IN MORTGAGE LOANS TO FIRST TIME HOMEBUYERS AND DEVELOPERS OF AFFORDABLE RENTAL PROPERTIES. DURING THE YEAR ENDED APRIL 30, 2025, THE PROGRAM SERVED 20 PARTICIPANTS.

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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 $2,033

Program Service Revenue $74,421

Investment Income $197

Other Revenue $0

TOTAL REVENUE $76,651

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $60,371

Other Expenses $73,732

TOTAL EXPENSES $73,732

Year-over-Year Comparison

	2024	2023	Change
Revenue	$76,651	$23,474	+2.3%
Expenses	$73,732	$42,401	+0.7%
Net Income	$2,919	$-18,927	-1.2%

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

$59,653

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLAYTON ALLEN	MEMBER	1.00	Director	$0	$0	$0
ERIC DAHL	PRESIDENT	2.00	Officer Director	$0	$0	$0
KIMBERLY REILLY	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
SUSAN COTNER	EXECUTIVE DIRECTOR	8.00	Officer	$0	$2,740	$59,653

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	$76,651	$73,732	$386,561	$2,919
2024	$23,474	$42,401	$523,334	$-18,927
2023	$35,567	$55,068	$624,828	$-19,501
2022	$40,061	$42,234	$761,075	$-2,173
2021	$58,599	$53,903	$944,296	$4,696
2020	$99,357	$75,127	$1,120,919	$24,230
2019	$289,282	$114,060	$1,483,852	$175,222
2018	$115,502	$177,409	$1,821,941	$-61,907

CAPITAL AFFORDABLE HOUSING FUNDING CORPORATION