CHIPPEWA LUTHERAN HOUSING CORP

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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

SARAH ISRAEL

Phone

4123669490

Tax Period

2024-07-01 to 2025-06-30

CHIPPEWA LUTHERAN HOUSING CORP, founded in 2006, is a small nonprofit in the Housing & Shelter sector that reported $340K in total revenue in fiscal year 2024. Expenses of $423K exceeded revenue, resulting in a 25% operating deficit.

Mission

LOW INCOME HUD SUBSIDIZED HOUSING FOR THE ELDERLY AND HANDICAPPED.

Program Service Accomplishments

Program 1

Expenses: $369,732 Revenue: $175,715

CHIPPEWA LUTHERAN HOUSING CORPORATION, D/B/A LUTHERAN VILLAGE AT CHIPPEWA (THE "CORPORATION") OPERATES A 34-UNIT APARTMENT COMPLEX LOCATED IN BEAVER COUNTY, PENNSYLVANIA UNDER SECTION 202 OF THE...

CHIPPEWA LUTHERAN HOUSING CORPORATION, D/B/A LUTHERAN VILLAGE AT CHIPPEWA (THE "CORPORATION") OPERATES A 34-UNIT APARTMENT COMPLEX LOCATED IN BEAVER COUNTY, PENNSYLVANIA UNDER SECTION 202 OF THE NATIONAL HOUSING ACT (THE "ACT"), WHICH PROVIDES HOUSING FOR LOW INCOME ELDERLY INDIVIDUALS. THE CORPORATION IS REGULATED BY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") WITH RESPECT TO RENTAL CHARGES, OPERATING EXPENSES, DISTRIBUTIONS TO OFFICERS OR DIRECTORS, AND OPERATING METHODS. THE LUTHERAN SERVICE SOCIETY OF WESTERN PENNSYLVANIA ("LSS") IS THE SOLE MEMBER OF THE CORPORATION.

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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 $160,969

Program Service Revenue $173,718

Investment Income $2,849

Other Revenue $1,997

TOTAL REVENUE $339,533

Expense Breakdown

Grants Paid $0

Salaries & Benefits $60,529

Fundraising Expenses $0

Program Expenses $369,732

Other Expenses $362,311

TOTAL EXPENSES $422,840

Year-over-Year Comparison

	2024	2023	Change
Revenue	$339,533	$327,315	+0.0%
Expenses	$422,840	$371,014	+0.1%
Net Income	$-83,307	$-43,699	+0.9%

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

$771,055

Total Directors

$385,715

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY L CARRAWAY	CFO	1.00	Officer Director	$0	$31,286	$268,264
SARAH ISRAEL	ADMINISTRATOR	1.00	Director	$0	$25,950	$117,451
R BRANDON JAMES	DIRECTOR	1.00	Director	$0	$0	$0
KARIN TRAUMAN	DIRECTOR	1.00	Director	$0	$0	$0
REV BRANDON JOHNS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID J FENOGLIETTO	CHIEF EXECUTIVE OFFICER	1.00	Officer	$0	$55,009	$502,791

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	$339,533	$422,840	$2,655,108	$-83,307
2024	No data	No data	No data	No data
2023	$270,824	$380,958	$2,807,286	$-110,134
2022	$221,851	$345,462	$2,892,028	$-123,611
2021	$230,544	$365,155	$3,025,878	$-134,611
2020	$238,779	$333,535	$3,067,407	$-94,756
2019	$222,657	$340,507	$3,131,372	$-117,850
2018	$209,954	$345,774	$3,233,156	$-135,820