MOSAIC ILLINOIS HOUSING I

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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

2008

Legal Domicile

Principal Officer

KRISTIN ROSSOW

Phone

4028963884

Tax Period

2023-01-01 to 2023-12-31

MOSAIC ILLINOIS HOUSING I, founded in 2008, is a micro nonprofit in the Housing & Shelter sector that reported $49K in total revenue in fiscal year 2023. Expenses of $97K exceeded revenue, resulting in a 98% operating deficit.

Mission

THE ORGANIZATION PROVIDES LOW INCOME AFFORDABLE HOUSING UNDER ILLINOIS HOUSING DEVELOPMENT AUTHORITY GUIDELINES.

Program Service Accomplishments

Program 1

Expenses: $84,148 Revenue: $41,974

THE ORGANIZATION PROVIDES LOW INCOME AFFORDABLE HOUSING UNDER ILLINOIS HOUSING DEVELOPMENT AUTHORITY GUIDELINES. THE HOUSING PROVIDED IS COMPRISED OF TWO GROUP HOMES CONTAINING A TOTAL OF EIGHT...

THE ORGANIZATION PROVIDES LOW INCOME AFFORDABLE HOUSING UNDER ILLINOIS HOUSING DEVELOPMENT AUTHORITY GUIDELINES. THE HOUSING PROVIDED IS COMPRISED OF TWO GROUP HOMES CONTAINING A TOTAL OF EIGHT APARTMENT UNITS.

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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 $4,000

Program Service Revenue $41,974

Investment Income $3,004

Other Revenue $0

TOTAL REVENUE $48,978

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $84,148

Other Expenses $96,749

TOTAL EXPENSES $96,749

Year-over-Year Comparison

	2023	2022	Change
Revenue	$48,978	$45,800	+0.1%
Expenses	$96,749	$92,706	+0.0%
Net Income	$-47,771	$-46,906	+0.0%

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

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

$453,946

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTIN ROSSOW	PRESIDENT	0.50	Officer	$0	$32,929	$242,853
JULIE ZITTERGRUEN	SECRETARY/TREASURER	0.50	Officer	$0	$44,418	$211,093
DEANNA WAGNER	CHAIRPERSON	0.10	Officer Director	$0	$0	$0
BARBARA PETSKA	VICE CHAIRPERSON	0.10	Director	$0	$0	$0
JENNIFER DOAN	DIRECTOR	0.10	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
2024	No data	No data	No data	No data
2023	$48,978	$96,749	$694,483	$-47,771
2022	$45,800	$92,706	$728,539	$-46,906
2021	$43,971	$92,545	$771,604	$-48,574
2020	$92,207	$98,317	$813,969	$-6,110
2019	$42,008	$89,820	$815,108	$-47,812
2018	$41,486	$87,339	$861,770	$-45,853