ECCO SENIOR HOUSING ASSOCIATION (EIN 204957197) - 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

BETSY WILLIAMS

Phone

5098386541

Tax Period

2024-08-01 to 2025-07-31

ECCO SENIOR HOUSING ASSOCIATION, founded in 2006, is a small nonprofit in the Housing & Shelter sector that reported $206K in total revenue in fiscal year 2024. Expenses of $308K exceeded revenue, resulting in a 50% operating deficit.

Mission

LOW-INCOME ELDERLY 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 (2024)

Revenue Breakdown

Contributions & Grants $124,564

Program Service Revenue $80,707

Investment Income $272

Other Revenue $0

TOTAL REVENUE $205,543

Expense Breakdown

Grants Paid $0

Salaries & Benefits $31,324

Fundraising Expenses $0

Program Expenses $308,367

Other Expenses $277,043

TOTAL EXPENSES $308,367

Year-over-Year Comparison

	2024	2023	Change
Revenue	$205,543	$209,202	0.0%
Expenses	$308,367	$292,926	+0.1%
Net Income	$-102,824	$-83,724	+0.2%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAT LINK	DIRECTOR	2.00	Director	$0	$0	$0
WILMA CARTAGENA	DIRECTOR	2.00	Director	$0	$0	$0
KATHY ARMSTRONG	DIRECTOR	2.00	Director	$0	$0	$0
CHRIS VENNE	DIRECTOR	2.00	Director	$0	$0	$0
BETSY WILLIAMS	PRESIDENT	2.00	Officer	$0	$0	$0
DAVE HEYAMOTO	VICE-PRESIDENT	2.00	Officer	$0	$0	$0
JERRY NUMBERS	TREASURER	2.00	Officer	$0	$0	$0
THOMAS SPEIGHT	SECRETARY	2.00	Officer	$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	$205,543	$308,367	$1,924,126	$-102,824
2024	$209,202	$292,926	$2,020,915	$-83,724
2023	$197,004	$293,339	$2,107,010	$-96,335
2022	$200,019	$290,797	$2,201,422	$-90,778
2021	$195,208	$242,377	$2,294,505	$-47,169
2020	$176,137	$234,153	$2,334,375	$-58,016
2019	$173,237	$234,423	$2,393,593	$-61,186

ECCO SENIOR HOUSING ASSOCIATION