Christian Housing Assistance Corporation (EIN 237043155) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1969

Legal Domicile

Principal Officer

Michael Garvey

Phone

5404806624

Tax Period

2025-01-01 to 2025-12-31

Christian Housing Assistance Corporation, founded in 1969, is a micro nonprofit that reported $27K in total revenue in fiscal year 2018. Revenue fell 30% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $16K, a strong 61% operating margin.

Mission

To provide affordable housing to lowincome families

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $361,250

Program Service Revenue $57,875

Investment Income $249

Other Revenue $0

TOTAL REVENUE $419,374

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $52,138

Other Expenses $52,138

TOTAL EXPENSES $52,138

Year-over-Year Comparison

	2025	2024	Change
Revenue	$419,374	$75,483	+4.6%
Expenses	$52,138	$20,326	+1.6%
Net Income	$367,236	$55,157	+5.7%

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
MICHAEL GARVEY	President	15.00	Officer Director	$0	$0	$0
NORMAN BATMAN	Vice President	2.00	Officer Director	$0	$0	$0
KRISTA POWELL	Treasurer	4.00	Officer Director	$0	$0	$0
RODGER DANIELS	Director	2.00	Director	$0	$0	$0
PEGGY GARVEY	Director	1.00	Director	$0	$0	$0
EVERETT STRATTON	Director	1.00	Director	$0	$0	$0
WANDA CARR	Secretary	3.00	Officer 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	$419,374	$52,138	$1,867,725	$367,236
2024	No data	No data	No data	No data
2023	$74,545	$29,315	$1,276,943	$45,230
2022	$64,403	$34,983	$1,238,680	$29,420
2021	$46,609	$28,833	$1,215,912	$17,776
2020	$35,547	$20,517	$1,091,373	$15,030
2019	$48,439	$25,659	$1,078,913	$22,780
2018	$26,606	$10,460	$1,075,594	$16,146

Christian Housing Assistance Corporation