INQUILINOS BORICUAS EN ACCION INC (EIN 237090081) - 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

1968

Legal Domicile

Principal Officer

VANESSA CALDERON-ROSADO

Phone

6179271707

Tax Period

2025-01-01 to 2025-12-31

INQUILINOS BORICUAS EN ACCION INC, founded in 1968, is a mid-sized nonprofit that reported $33.3M in total revenue in fiscal year 2025. The organization ran a surplus of $7.0M, a strong 21% operating margin.

Mission

INQUILINOS BORICUAS EN ACCION (IBA) EMPOWERS AND ENGAGES INDIVIDUALS AND FAMILIES TO IMPROVE THEIR LIVES THROUGH HIGH-QUALITY AFFORDABLE HOUSING, EDUCATION AND ARTS PROGRAMS.

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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 $7,504,505

Program Service Revenue $21,272,462

Investment Income $4,476,257

Other Revenue $40,289

TOTAL REVENUE $33,293,513

Expense Breakdown

Grants Paid $3,592,204

Salaries & Benefits $6,627,949

Fundraising Expenses $724,783

Program Expenses $24,091,599

Other Expenses $16,099,349

TOTAL EXPENSES $26,319,502

Year-over-Year Comparison

	2025	2024	Change
Revenue	$33,293,513	$31,630,927	+0.1%
Expenses	$26,319,502	$22,246,117	+0.2%
Net Income	$6,974,011	$9,384,810	-0.3%

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

$720,979

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARIA VASALLO	PRESIDENT	0.20	Officer Director	$0	$0	$0
JAVIER FLORES	VICE PRESIDENT	0.20	Officer Director	$0	$0	$0
JENNIFER FAUTH	TREASURER	0.20	Officer Director	$0	$0	$0
WENDY MELENDEZ	CLERK	0.20	Officer Director	$0	$0	$0
KIRA TAFORO	MEMBER	0.20	Director	$0	$0	$0
VADIM KUKSIN	MEMBER	0.20	Director	$0	$0	$0
ROBERT GOLDSTEIN	MEMBER	0.20	Director	$0	$0	$0
PATRICK GREENE	MEMBER	0.20	Director	$0	$0	$0
ANDRES COLON	MEMBER	0.20	Director	$0	$0	$0
JOSE FERNANDEZ	MEMBER	0.20	Director	$0	$0	$0
SHARON BONET	MEMBER	0.20	Director	$0	$0	$0
DIVYA MANI	MEMBER	0.20	Director	$0	$0	$0
LAURIE GOULD	MEMBER	0.20	Director	$0	$0	$0
IRIS SANCHEZ	MEMBER	0.20	Director	$0	$0	$0
HECTOR CRUZ	MEMBER (UNTIL 12/2025)	0.20	Director	$0	$0	$0
HECTOR COLON	MEMBER (UNTIL 2025)	0.20	Director	$0	$0	$0
REINELDA RIVERA	MEMBER (UNTIL 2025)	0.20	Director	$0	$0	$0
CINDY WILLIAMS	MEMBER (UNTIL 2025)	0.20	Director	$0	$0	$0
MIGUEL VASQUEZ	MEMBER (UNTIL 2025)	0.20	Director	$0	$0	$0
VANESSA CALDERON-ROSADO	CHIEF EXECUTIVE OFFICER	34.40	Officer	$331,695	$54,303	$385,998
MAYRA NEGRON-ROCHE	CHIEF OPERATING OFFICER	34.40	Officer	$284,006	$50,975	$334,981
RAFAEL PEREZ MEDINA	CHIEF PROGRAM OFFICER (UNTIL 8/25)	35.00	Highest	$176,580	$25,150	$201,730
XAVIER CHAVARRIA	CHIEF HUMAN RESOURCES OFFICER	35.00	Highest	$148,000	$14,991	$162,991
JASON DULONG	FACILITIES DIRECTOR (UNTIL 12/25)	35.00	Highest	$135,552	$13,744	$149,296
KARTHIKEYAN RAJU	CONTROLLER	35.00	Highest	$122,697	$28,540	$151,237
YAHAIRA OBJIO	RESIDENT SERVICES PROGRAM DIR.	35.00	Highest	$114,094	$22,573	$136,667

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	$33,293,513	$26,319,502	$260,977,144	$6,974,011
2024	$31,630,927	$22,246,117	$250,278,381	$9,384,810
2023	$21,880,419	$13,883,067	$177,993,455	$7,997,352
2022	$18,804,010	$13,537,869	$162,841,239	$5,266,141
2021	$16,934,744	$11,709,932	$173,108,948	$5,224,812
2020	$13,460,079	$11,530,344	$166,750,873	$1,929,735
2019	$13,951,456	$11,770,255	$160,128,787	$2,181,201

INQUILINOS BORICUAS EN ACCION INC