CASTORLAND HOUSING DEVELOPMENT FUND COMPANY INC (EIN 161291082) - 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

1987

Legal Domicile

Principal Officer

DAVID THOMA

Phone

3153766895

Tax Period

2025-01-01 to 2025-12-31

CASTORLAND HOUSING DEVELOPMENT FUND COMPANY INC, founded in 1987, is a small nonprofit in the Housing & Shelter sector that reported $195K in total revenue in fiscal year 2025. The organization ran a surplus of $33K, a strong 17% operating margin.

Mission

PROVIDE LOW-INCOME 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $190,134

Investment Income $24

Other Revenue $4,664

TOTAL REVENUE $194,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,648

Fundraising Expenses $0

Program Expenses $99,455

Other Expenses $101,859

TOTAL EXPENSES $161,507

Year-over-Year Comparison

	2025	2024	Change
Revenue	$194,822	$200,935	0.0%
Expenses	$161,507	$186,584	-0.1%
Net Income	$33,315	$14,351	+1.3%

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

N/A

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

Total Directors

$33,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID THOMA	PRESIDENT	1.00	Officer Director	$0	$0	$0
PAULA JUBY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ROBIN GRUNERT	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
DONNA DILLER	DIRECTOR	1.00	Director	$0	$0	$0
KATHARINE B PERKINS-MANNING	MEMBER/SITE MANAGER	40.00	Director	$33,500	$0	$33,500

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	$194,822	$161,507	$585,841	$33,315
2024	$200,935	$186,584	$578,362	$14,351
2023	$189,096	$168,161	$585,752	$20,935
2022	$161,877	$170,657	$587,930	$-8,780
2021	$185,303	$145,467	$614,348	$39,836
2020	$181,271	$152,189	$597,182	$29,082
2019	$152,467	$156,013	$577,358	$-3,546
2018	$147,640	$160,172	$595,963	$-12,532

CASTORLAND HOUSING DEVELOPMENT FUND COMPANY INC