Pepper Hill Homes Association CO Ross Morgan & Co Attn Jessica Tovar (EIN 237261761) - 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

1990

Principal Officer

John Raymont

Phone

8189076622

Tax Period

2025-01-01 to 2025-12-31

Pepper Hill Homes Association CO Ross Morgan & Co Attn Jessica Tovar, founded in 1990, is a small nonprofit that reported $115K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $29K, a strong 25% operating margin.

Mission

Homeowners' Association

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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 $0

Program Service Revenue $114,586

Investment Income $21

Other Revenue $0

TOTAL REVENUE $114,607

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $86,011

Other Expenses $86,011

TOTAL EXPENSES $86,011

Year-over-Year Comparison

	2025	2024	Change
Revenue	$114,607	$101,268	+0.1%
Expenses	$86,011	$56,312	+0.5%
Net Income	$28,596	$44,956	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Raymont	President	0.00	Officer Director	$0	$0	$0
Annemarie Plenge	Director	1.00	Director	$0	$0	$0
Kate Strout	Secretary	2.00	Officer Director	$0	$0	$0
Robert Gates	Treasurer	1.00	Officer Director	$0	$0	$0
Daniel Hochman	Director	0.00	Director	$0	$0	$0
Tracy Bolt	Director	0.00	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	$114,607	$86,011	$512,713	$28,596
2024	$101,268	$56,312	$486,630	$44,956
2023	$164,924	$25,834	$520,069	$139,090
2022	$263,272	$43,309	$380,979	$219,963

Pepper Hill Homes Association CO Ross Morgan & Co Attn Jessica Tovar