COMMUNITY HOUSING RESOURCE BOARD OF SOUTHERN BERGEN COUNTY INC (EIN 222451449) - 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

1983

Legal Domicile

Principal Officer

LYNN BARTLETT

Phone

2015697454

Tax Period

2024-04-01 to 2025-03-31

COMMUNITY HOUSING RESOURCE BOARD OF SOUTHERN BERGEN COUNTY INC, founded in 1983, is a small nonprofit in the Housing & Shelter sector that reported $771K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $302K, a strong 39% operating margin.

Mission

TO PROVIDE SAFE, DECENT AND AFFORDABLE HOUSING TO HANDICAPPED CITIZENS LIVING IN THE COMMUNITY. THE ORGANIZATION OWNS AND OPERATES A 35 UNIT HUD SUBSIDIZED APARTMENT BUILDING FOR HANDICAPPED CITIZENS.

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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 $0

Program Service Revenue $730,054

Investment Income $40,583

Other Revenue $0

TOTAL REVENUE $770,637

Expense Breakdown

Grants Paid $0

Salaries & Benefits $129,403

Fundraising Expenses $0

Program Expenses $392,646

Other Expenses $339,678

TOTAL EXPENSES $469,081

Year-over-Year Comparison

	2024	2023	Change
Revenue	$770,637	$920,729	-0.2%
Expenses	$469,081	$449,506	+0.0%
Net Income	$301,556	$471,223	-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

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

$100,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL ORTEGA	TRUSTEE	1.00	Director	$0	$0	$0
JOSEPH RUTCH	TRUSTEE	1.00	Director	$0	$0	$0
DIANE SCRIVERI	VICE PRESIDENT	1.00	Officer	$0	$0	$0
AL RESTAINO	PRESIDENT	1.00	Officer	$0	$0	$0
LYNN BARTLETT	EXECUTIVE DIRECTOR	2.00	Officer	$0	$0	$100,000

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
2025	$770,637	$469,081	$1,947,022	$301,556
2024	$920,729	$449,506	$1,741,055	$471,223
2023	$579,203	$441,516	$1,362,609	$137,687
2022	$516,144	$406,789	$1,349,027	$109,355
2021	$535,208	$417,650	$1,296,474	$117,558
2020	$499,008	$475,693	$1,244,670	$23,315
2019	$483,534	$469,668	$1,298,790	$13,866

COMMUNITY HOUSING RESOURCE BOARD OF SOUTHERN BERGEN COUNTY INC