SACA DEVELOPMENT CORPORATION (EIN 232364586) - 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

1984

Legal Domicile

Principal Officer

JOSE R LOPEZ

Phone

7173976267

Tax Period

2024-07-01 to 2025-06-30

SACA DEVELOPMENT CORPORATION, founded in 1984, is a community nonprofit in the Housing & Shelter sector that reported $3.9M in total revenue in fiscal year 2024. The organization ran a surplus of $1.2M, a strong 30% operating margin.

Mission

TO PROVIDE AFFORDABLE HOUSING OPTIONS TO LOW TO MODERATE INCOME FAMILIES.

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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 $2,038,127

Program Service Revenue $2,283,925

Investment Income $-818,586

Other Revenue $380,855

TOTAL REVENUE $3,884,321

Expense Breakdown

Grants Paid $0

Salaries & Benefits $242,730

Fundraising Expenses $0

Program Expenses $2,492,774

Other Expenses $2,485,001

TOTAL EXPENSES $2,727,731

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,884,321	$3,821,610	+0.0%
Expenses	$2,727,731	$2,711,094	+0.0%
Net Income	$1,156,590	$1,110,516	+0.0%

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

$484,993

Total Directors

$263,486

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSE R LOPEZ	PRESIDENT/CEO	22.00	Officer Director	$0	$48,950	$263,486
JODIE RICHARDSON	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
TED DARCUS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT FRANKHOUSER JR	TREASURER	1.00	Officer Director	$0	$0	$0
MIRIAM ORTEGA	SECRETARY	1.00	Officer Director	$0	$0	$0
CARLOS GRAUPERA	BOARD MEMBER	1.00	Director	$0	$0	$0
DARIO SANCHEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
ALBERT GONZALEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN ELLIS	CFO (AS OF 09/24)	25.00	Officer	$0	$0	$33,552
ROSA GRAUPERA	CFO (UNTIL 12/24)	25.00	Officer	$0	$55,053	$187,955
JOSE COLON	VP PROPERTY MANAGEMENT	40.00	Highest	$107,282	$19,752	$127,034

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	$3,884,321	$2,727,731	$29,611,754	$1,156,590
2024	No data	No data	No data	No data
2023	$5,511,228	$4,924,069	$28,151,683	$587,159
2022	$4,097,637	$2,592,941	$17,509,211	$1,504,696
2021	$1,316,058	$3,518,033	$19,836,477	$-2,201,975
2020	$1,043,242	$1,584,842	$19,102,938	$-541,600
2019	$963,671	$1,442,327	$16,179,445	$-478,656
2018	$1,468,053	$1,462,201	$19,133,178	$5,852

SACA DEVELOPMENT CORPORATION