BIG ISLAND HOUSING FOUNDATION (EIN 237071571) - 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

1969

Legal Domicile

Principal Officer

MARY BEGIER

Phone

8089693327

Tax Period

2024-04-01 to 2025-03-31

BIG ISLAND HOUSING FOUNDATION, founded in 1969, is a small nonprofit that reported $988K in total revenue in fiscal year 2024. Expenses of $1.1M exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING.

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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 $988,279

Investment Income $0

Other Revenue $0

TOTAL REVENUE $988,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $939,133

Fundraising Expenses $0

Program Expenses $1,092,027

Other Expenses $167,652

TOTAL EXPENSES $1,106,785

Year-over-Year Comparison

	2024	2023	Change
Revenue	$988,279	$1,000,880	0.0%
Expenses	$1,106,785	$1,184,686	-0.1%
Net Income	$-118,506	$-183,806	-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

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

$69,996

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF HAMILTON	DIRECTOR	1.00	Director	$0	$0	$0
PHOEBE LAMBETH	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH MARSH	DIRECTOR	1.00	Director	$0	$0	$0
MARY BEGIER	PRESIDENT	1.00	Officer	$0	$0	$0
DONN MENDE	VICE PRESIDENT	1.00	Officer	$0	$0	$0
MARY BEGIER	SECRETARY	1.00	Officer	$0	$0	$0
CHAD HASEGAWA	TREASURER	1.00	Officer	$0	$0	$0
PAUL GREGORY	EXECUTIVE DIRECTOR	40.00	Officer	$69,996	$0	$69,996

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	$988,279	$1,106,785	$1,422,692	$-118,506
2024	$1,000,880	$1,184,686	$1,491,638	$-183,806
2023	$304,308	$253,550	$1,627,753	$50,758
2022	$449,754	$283,034	$1,524,003	$166,720
2021	$382,641	$393,472	$1,459,082	$-10,831
2020	$235,033	$278,882	$1,296,166	$-43,849
2019	$828,823	$834,891	$1,442,313	$-6,068

BIG ISLAND HOUSING FOUNDATION