UMPHRESS TERRACE (EIN 204572509) - 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

2006

Legal Domicile

Principal Officer

RUSSELL CREWS

Phone

2143919000

Tax Period

2024-04-01 to 2025-03-31

UMPHRESS TERRACE, founded in 2006, is a small nonprofit in the Housing & Shelter sector that reported $484K in total revenue in fiscal year 2024. Expenses of $670K exceeded revenue, resulting in a 38% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING TO LOW-INCOME SENIORS.

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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 $0

Program Service Revenue $482,345

Investment Income $1,908

Other Revenue $0

TOTAL REVENUE $484,253

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,957

Fundraising Expenses $0

Program Expenses $647,692

Other Expenses $540,767

TOTAL EXPENSES $669,724

Year-over-Year Comparison

	2024	2023	Change
Revenue	$484,253	$487,430	0.0%
Expenses	$669,724	$600,046	+0.1%
Net Income	$-185,471	$-112,616	+0.6%

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

$576,162

Total Directors

$576,162

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RUSSELL CREWS	PRESIDENT/CEO	2.00	Officer Director	$0	$21,840	$401,840
STACY HITT	VICE PRESIDENT	2.00	Officer Director	$0	$15,506	$174,322
ERMA SARACHO	CHAIR	2.00	Officer Director	$0	$0	$0
KENT SHIELDS	SECRETARY	2.00	Officer Director	$0	$0	$0
REV RICK HAWKINS	DIRECTOR	2.00	Director	$0	$0	$0
KORRINE HEARN	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD STANFORD	DIRECTOR	2.00	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	$484,253	$669,724	$2,996,487	$-185,471
2024	$487,430	$600,046	$2,902,527	$-112,616
2023	$437,352	$680,325	$3,102,446	$-242,973
2022	$463,814	$633,614	$3,577,718	$-169,800
2021	$430,022	$689,672	$3,459,996	$-259,650
2020	$411,701	$530,659	$3,608,287	$-118,958
2019	$391,892	$517,778	$3,711,478	$-125,886
2018	$386,204	$476,728	$3,950,118	$-90,524

UMPHRESS TERRACE