NEW YORK STATE RURAL HOUSING COALITION INC (EIN 222322510) - 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

1979

Legal Domicile

Principal Officer

MICHAEL BORGES

Phone

5184588696

Tax Period

2024-07-01 to 2025-06-30

NEW YORK STATE RURAL HOUSING COALITION INC, founded in 1979, is a small nonprofit that reported $558K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $198K, a strong 36% operating margin.

Mission

THE COALITION IS A STATEWIDE MEMBERSHIP ORGANIZATION DEDICATED TO STRENGTHENING AND REVITALIZING RURAL NEW YORK BY ASSISTING HOUSING AND COMMUNITY DEVELOPMENT PROVIDERS. THE COALITION SUPPORTS RURAL HOUSING AND COMMUNITY DEVELOPMENT PROVIDERS THROUGH: ORGANIZATIONAL DEVELOPMENT; SKILLS/CAPACITY BUILDING; EDUCATION AND TRAINING; RESOURCE DEVELOPMENT; RAISING PUBLIC AWARENESS; AND PUBLIC POLICY RESEARCH AND ANALYSIS.

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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 $37,188

Program Service Revenue $374,447

Investment Income $144,124

Other Revenue $1,756

TOTAL REVENUE $557,515

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,258

Fundraising Expenses $0

Program Expenses $265,568

Other Expenses $158,137

TOTAL EXPENSES $359,395

Year-over-Year Comparison

	2024	2023	Change
Revenue	$557,515	$482,442	+0.2%
Expenses	$359,395	$342,026	+0.1%
Net Income	$198,120	$140,416	+0.4%

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

$138,170

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSIAH LAMP	CHAIRPERSON	3.00	Officer Director	$0	$0	$0
CHRISTINA DOUGHTY	VICE CHAIR	3.00	Officer Director	$0	$0	$0
REG SCHWEITZER	TREASURER	3.00	Officer Director	$0	$0	$0
MICHAEL LEVINE	SECRETARY	3.00	Officer Director	$0	$0	$0
SUZANNE BROUGHT	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WILSTE	DIRECTOR	1.00	Director	$0	$0	$0
JEFF HAMPSHIRE	DIRECTOR	1.00	Director	$0	$0	$0
JASON HEATLEY	DIRECTOR	1.00	Director	$0	$0	$0
FAITH MOORE	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK BOYLE	DIRECTOR	1.00	Director	$0	$0	$0
JERRY NAGY	DIRECTOR	1.00	Director	$0	$0	$0
GREG MAHER	DIRECTOR	1.00	Director	$0	$0	$0
MEGAN MURPHY	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BORGES	EXECUTIVE DIRECTOR	37.50	Officer	$122,519	$15,651	$138,170

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	$557,515	$359,395	$2,841,752	$198,120
2024	$482,442	$342,026	$2,570,697	$140,416
2023	$526,862	$342,252	$2,270,020	$184,610
2022	$570,692	$249,565	$2,074,122	$321,127
2021	$531,035	$214,468	$2,289,550	$316,567
2020	$370,317	$367,700	$1,927,741	$2,617
2019	$2,036,809	$307,685	$1,895,185	$1,729,124

NEW YORK STATE RURAL HOUSING COALITION INC