CENTER FOR FINANCIAL HEALTH

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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

2007

Legal Domicile

Principal Officer

DENISE KEISER

Phone

5177082546

Tax Period

2018-01-01 to 2018-12-31

CENTER FOR FINANCIAL HEALTH, founded in 2007, is a small nonprofit that reported $231K in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $203K left a modest 12% surplus.

Mission

AS A HUD-APPROVED HOUSING COUNSELING AGENCY, WE ARE COMMITTED TO HELPING FAMILIES AND INDIVIDUALS BUILD ASSETS THROUGH HOMEOWNERSHIP BY PROVIDING TRAINING AND SUPPORT THAT STRENGTHENS OUR COMMUNITY AND HELPS PEOPLE BUILD BRIGHTER FUTURES.

Program Service Accomplishments

Program 1

Expenses: $115,746 Revenue: $37,656

WE HELP INDIVIDUALS AND THEIR FAMILIES BY PROVIDING PROGRAMS, INFORMATION, AND RESOURCES TO ASSIST IN THEIR JOURNEY OF HOMEOWNERSHIP THROUGH FORECLOSURE PREVENTION COUNSELING. WE ALSO HELP BY RAISING...

Program 2

Expenses: $48,228

AS A HUD-APPROVED HOUSING COUNSELING AGENCY, WE ARE COMMITTED TO HELPING FAMILIES AND INDIVIDUALS BUILD ASSETS THROUGH HOMEOWNERSHIP BY PROVIDING TRAINING AND SUPPORT WITH PRE-PURCHASE COUNSELING...

AS A HUD-APPROVED HOUSING COUNSELING AGENCY, WE ARE COMMITTED TO HELPING FAMILIES AND INDIVIDUALS BUILD ASSETS THROUGH HOMEOWNERSHIP BY PROVIDING TRAINING AND SUPPORT WITH PRE-PURCHASE COUNSELING THAT WILL AID IN STRENGTHENING OUR COMMUNITY AND HELP PEOPLE BUILD BRIGHTER FUTURES.

Program 3

Expenses: $28,936

AS A HUD-APPROVED HOUSING COUNSELING AGENCY, WE ARE COMMITTED TO HELPING FAMILIES AND INDIVIDUALS BUILD ASSETS THROUGH HOMEOWNERSHIP BY PROVIDING HOUSING AND FINANCIAL WORKSHOPS TO ASSIST IN...

AS A HUD-APPROVED HOUSING COUNSELING AGENCY, WE ARE COMMITTED TO HELPING FAMILIES AND INDIVIDUALS BUILD ASSETS THROUGH HOMEOWNERSHIP BY PROVIDING HOUSING AND FINANCIAL WORKSHOPS TO ASSIST IN UNDERSTANDING THE PROCESS AND POTENTIAL PITFALLS. THIS SUPPORT HELPS PEOPLE BUILD FINANCIALLY CAPABLE, BRIGHTER FUTURES.

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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 (2018)

Revenue Breakdown

Contributions & Grants $193,360

Program Service Revenue $37,656

Investment Income $73

Other Revenue $0

TOTAL REVENUE $231,089

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,651

Fundraising Expenses $0

Program Expenses $192,910

Other Expenses $44,412

TOTAL EXPENSES $203,063

Year-over-Year Comparison

	2018	2017	Change
Revenue	$231,089	$208,778	+0.1%
Expenses	$203,063	$186,927	+0.1%
Net Income	$28,026	$21,851	+0.3%

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

$65,327

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH WRIGHT	DIRECTOR	1.00	Director	$0	$0	$0
PANKAJ VIJ	DIRECTOR	1.00	Director	$0	$0	$0
MIKE SILKWORTH	DIRECTOR	1.00	Director	$0	$0	$0
BETH TROOST	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JON SCHWARTZ	TREASURER	1.00	Officer Director	$0	$0	$0
MICHELLE SCHMITT	SECRETARY	1.00	Officer Director	$0	$0	$0
DENISE KEISER	EXECUTIVE DIRECTOR	40.00	Officer	$65,327	$0	$65,327

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
2018	$231,089	$203,063	$151,921	$28,026