HOUSING WHITEFISH 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

Legal Domicile

Principal Officer

STEPHEN WALTER

Phone

4063186890

Tax Period

2024-07-01 to 2025-06-30

HOUSING WHITEFISH INC is a small nonprofit in the Housing & Shelter sector that reported $415K in total revenue in fiscal year 2024. Revenue fell 77% from the prior year — a significant decline worth monitoring. Expenses of $389K left a modest 6% surplus.

Mission

DEVELOP, CONSTRUCT, OWN, AND OPERATE AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $334,384

THE ORGANIZATION PROVIDES A SUPPLY OF AFFORDABLE HOMES IN WHITEFISH MT. UNDER THE PROGRAM, HOMES ARE BE PURCHASED, REHABILITATED OR DEMOLISHED AND NEW HOMES CONSTRUCTED. THE HOMES ARE SOLD OR RENTED TO ELIGIBLE PERSONS. THE ORGANIZATION ADVOCATED FOR AFFORDABLE HOUSING POLICY SOLUTIONS AT THE LOCAL AND STATE LEVEL. FOR FISCAL YEAR ENDING 6/30/25, THE ORGANIZATION CONTINUES TO OPERATE THE WHITEFISH WORKFORCE ASSISTANCE PROGRAM. THE PROGRAM PROVIDES RENTAL ASSISTANCE PAYMENTS TO LANDLORDS ON BEHALF OF ELIGIBLE APPLICANTS. THE PROGRAM HAS SERVED OVER 80 HOUSEHOLDS THIS PAST YEAR. IN ADDITION TO THE WORKFORCE ASSISTANCE PROGRAM, THE ORGANIZATION CONTINUES TO MAKE PROGRESS ON THE ALPENGLOW II DEVELOPMENT. THE ORGANIZATION SECURED A 1 MILLION GRANT FROM THE CITY OF WHITEFISH AND WAS APPROVED FOR A COAL TRUST MULTIFAMILY HOMES PROGRAM LOAN FROM THE STATE OF MONTANA FOR THE PROJECT. HOUSING WHITEFISH IS CON..NUING TO MAKE PROGRESS ON HOUSING DEVELOPMENT EFFORTS AND ANTICIPATES BEING AWARDED A NEW PROJECT IN THE NEXT FEW MONTHS.

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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 $404,858

Program Service Revenue $0

Investment Income $10,318

Other Revenue $0

TOTAL REVENUE $415,176

Expense Breakdown

Grants Paid $201,176

Salaries & Benefits $81,571

Fundraising Expenses $5,916

Program Expenses $334,384

Other Expenses $105,878

TOTAL EXPENSES $388,625

Year-over-Year Comparison

	2024	2023	Change
Revenue	$415,176	$1,774,029	-0.8%
Expenses	$388,625	$266,831	+0.5%
Net Income	$26,551	$1,507,198	-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

$75,277

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL SIDDER	EXECUTIVE DI	40.00	Officer	$75,277	$0	$75,277
ZAK ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
JERRY DUNKER	DIRECTOR	1.00	Director	$0	$0	$0
CLARE GOBLE	VICE CHAIR	2.00	Director	$0	$0	$0
BEN JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
HILARY SHAW	SECRETARY	2.00	Officer Director	$0	$0	$0
STEPHEN WALTER	TREASURER	2.00	Officer Director	$0	$0	$0
KATIE WILLIAMS	CHAIR	2.00	Officer Director	$0	$0	$0

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	$415,176	$388,625	$1,752,356	$26,551
2024	$1,774,029	$266,831	$1,727,181	$1,507,198