NORTH GEORGIA COMMUNITY HOUSING DEVELOPMENT CORPORATION INC (EIN 205911780) - 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

STEVE NAPIER

Phone

7705879679

Tax Period

2023-07-01 to 2024-06-30

NORTH GEORGIA COMMUNITY HOUSING DEVELOPMENT CORPORATION INC, founded in 2006, is a micro nonprofit in the Housing & Shelter sector that reported $7K in total revenue in fiscal year 2023. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $338K exceeded revenue, resulting in a 5029% operating deficit.

Mission

THE MISSION OF NORTH GEORGIA COMMUNITY HOUSING DEVELOPMENT CORPORATION IS TO PROVIDE OR TO FACILITATE THE PROVISION OF DECENT HOUSING THAT IS AFFORDABLE TO LOW AND MODERATE INCOME PEOPLE.

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $6,591

TOTAL REVENUE $6,591

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $333,448

Other Expenses $338,076

TOTAL EXPENSES $338,076

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,591	$15,391	-0.6%
Expenses	$338,076	$178,888	+0.9%
Net Income	$-331,485	$-163,497	+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

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

$153,899

Total Directors

$153,899

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE NAPIER	PRESIDENT &	1.00	Officer Director	$0	$0	$52,197
HAROLD J STRINGER JR	DIRECTOR & M	1.00	Officer Director	$0	$0	$35,982
TAMI J EMORY	TREASURER	1.00	Officer Director	$0	$0	$35,394
ANDREA DEDE ALLEN	VP & SECRETA	1.00	Officer Director	$0	$0	$30,326
JESSICA ERVIN	DIRECTOR	1.00	Director	$0	$0	$0
AMBER JONES	DIRECTOR	1.00	Director	$0	$0	$0
JENNEFER STEPHENS	DIRECTOR	1.00	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	No data	No data	No data	No data
2024	$6,591	$338,076	$153,552	$-331,485
2023	$15,391	$178,888	$493,198	$-163,497
2022	$114,276	$431,307	$752,091	$-317,031
2021	$332,976	$347,564	$990,714	$-14,588
2020	$463,364	$56,334	$1,110,720	$407,030
2019	$225,450	$136,405	$723,531	$89,045

NORTH GEORGIA COMMUNITY HOUSING DEVELOPMENT CORPORATION INC