PETRA COMMUNITY HOUSING (EIN 232801102) - 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

1994

Legal Domicile

Principal Officer

JONATHAN CAPECI

Phone

6109481797

Tax Period

2024-10-01 to 2025-09-30

PETRA COMMUNITY HOUSING, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $435K in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $185K, a strong 43% operating margin.

Mission

EXPANDING THE AVAILABILITY OF HOUSING TO VERY LOW, LOW & MODERATE INCOME PEOPLE AND FIRST TIME HOME BUYERS.

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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 $36,817

Program Service Revenue $249,628

Investment Income $145,326

Other Revenue $3,037

TOTAL REVENUE $434,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,651

Fundraising Expenses $2,560

Program Expenses $213,512

Other Expenses $90,122

TOTAL EXPENSES $249,773

Year-over-Year Comparison

	2024	2023	Change
Revenue	$434,808	$335,521	+0.3%
Expenses	$249,773	$206,014	+0.2%
Net Income	$185,035	$129,507	+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

$115,524

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JONATHAN CAPECI	EXECUTIVE DI	14.00	Officer	$34,711	$16,348	$115,524
CATHERINE BIANCO	DIRECTOR/PRE	0.50	Officer Director	$0	$0	$0
DAVID BOWMAN	DIRECTOR/SEC	0.50	Officer Director	$0	$0	$0
ERIN BURKE	DIRECTOR	0.50	Director	$0	$0	$0
CATHY CALHOUN	DIRECTOR	0.50	Director	$0	$0	$0
ANN COLL	DIRECTOR	0.50	Director	$0	$0	$0
BOB HEIST	DIRECTOR	0.50	Director	$0	$0	$0
DENNIS LEVASSEUR	DIRECTOR	0.50	Director	$0	$0	$0
NICOLE LYDDANE	DIRECTOR	0.50	Director	$0	$0	$0
PHIL RITTER	DIRECTOR/VIC	0.50	Officer Director	$0	$0	$0
ANDREW STEAR	DIRECTOR/TRE	0.50	Officer Director	$0	$0	$0
SCOTT WERNER	DIRECTOR	0.50	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
2025	$434,808	$249,773	$3,278,238	$185,035
2024	$335,521	$206,014	$3,089,729	$129,507
2023	$304,695	$164,142	$2,830,096	$140,553
2022	$517,756	$259,960	$2,631,559	$257,796
2021	$335,922	$311,763	$2,603,229	$24,159
2020	$759,909	$261,074	$2,467,368	$498,835

PETRA COMMUNITY HOUSING