BAYVIEW HOUSING CORPORATION (EIN 222543054) - 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

1985

Legal Domicile

Principal Officer

KELLY LOWERY

Phone

3153933074

Tax Period

2025-03-01 to 2026-02-28

BAYVIEW HOUSING CORPORATION, founded in 1985, is a small nonprofit that reported $203K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

HOUSING FOR ELDERLY AND HANDICAPPED LOW INCOME INDIVIDUALS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $22,500

Program Service Revenue $179,667

Investment Income $17

Other Revenue $946

TOTAL REVENUE $203,130

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $175,567

Other Expenses $215,278

TOTAL EXPENSES $215,278

Year-over-Year Comparison

	2025	2024	Change
Revenue	$203,130	$181,553	+0.1%
Expenses	$215,278	$194,752	+0.1%
Net Income	$-12,148	$-13,199	-0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN FITZGERALD	PRESIDENT	1.00	Officer Director	$0	$0	$0
DIANE SCHWEITZER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL LIVELY	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
KATHY BELLINGER	DIRECTOR	1.00	Director	$0	$0	$0
MARCIA GOSIER	DIRECTOR	1.00	Director	$0	$0	$0
PAULA PETROSKE	DIRECTOR	1.00	Director	$0	$0	$0
MARIAH WALLACE	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
2026	$203,130	$215,278	$513,846	$-12,148
2025	$181,553	$194,752	$527,297	$-13,199
2024	$183,737	$187,942	$546,219	$-4,205
2023	$180,019	$203,747	$578,834	$-23,728
2022	$193,401	$184,785	$584,058	$8,616
2021	$122,412	$173,815	$582,289	$-51,403
2020	$149,130	$174,918	$623,263	$-25,788
2019	$146,585	$170,680	$650,957	$-24,095

BAYVIEW HOUSING CORPORATION