COW BAY HDFC (EIN 221985411) - 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

1969

Legal Domicile

Principal Officer

ALEJANDRO MARTINEZ

Phone

5165222513

Tax Period

2023-01-01 to 2023-12-31

COW BAY HDFC, founded in 1969, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2023. Expenses of $2.2M left a modest 8% surplus.

Mission

TO PROVIDE HOUSING FOR PERSONS OF LOW INCOME.

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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 $1,304,536

Program Service Revenue $0

Investment Income $14,124

Other Revenue $1,042,991

TOTAL REVENUE $2,361,651

Expense Breakdown

Grants Paid $0

Salaries & Benefits $202,631

Fundraising Expenses $0

Program Expenses $2,117,219

Other Expenses $1,970,451

TOTAL EXPENSES $2,173,082

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,361,651	$2,349,839	+0.0%
Expenses	$2,173,082	$2,262,937	0.0%
Net Income	$188,569	$86,902	+1.2%

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

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

$900

Total Directors

$102,900

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEJANDRO MARTINEZ	BOARD PRESIDENT	5.00	Officer Director	$300	$0	$300
DELORES FABIAN	SECRETARY	5.00	Officer Director	$300	$0	$300
BLANCA FABIAN	TREASURER	5.00	Officer Director	$300	$0	$300
BRIAN G STALEY SR	EXECUTIVE DIRECTOR	5.00	Director	$102,000	$0	$102,000

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
2024	No data	No data	No data	No data
2023	$2,361,651	$2,173,082	$10,050,791	$188,569
2022	$2,349,839	$2,262,937	$10,321,235	$86,902
2021	$2,189,980	$2,163,974	$10,435,936	$26,006
2020	$2,158,366	$2,001,101	$10,527,540	$157,265
2019	$2,168,021	$1,848,957	$10,524,646	$319,064
2018	$2,104,127	$1,749,286	$10,346,674	$354,841

COW BAY HDFC