GAMMA UPSILON HOUSING ASSOCIATION

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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

1919

Legal Domicile

Principal Officer

ROBERT CARMEAN

Phone

5135232691

Tax Period

2025-01-01 to 2025-12-31

GAMMA UPSILON HOUSING ASSOCIATION, founded in 1919, is a micro nonprofit that reported $50K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $42K, a strong 82% operating margin.

Mission

OWN, MANAGE AND MAINTIAN HOUSING PROPERTY FOR THE GAMMA UPSILON CHAPTER OF DELTA TAU DELTA FRATERNITY. PROVIDE MEMBER EDUCATION AND GUIDANCE, AND ADMINISTER SCHOLARSHIPS AND OTHER FUNDS. THE UNDERGRADUATE CHAPTER OF DELTA TAU DELTA WAS SUSPENDED BY MIAMI UNIVERSITY FROM MARCH 2019 TO AUGUST 2034. IN SEPTEMBER 2020, THE ORGANIZATION BEGAN RENTING THE PROPERTY TO OUTSIDE PARTIES.

Program Service Accomplishments

Program 1

OWN, MANAGE AND MAINTAIN FRATERNITY PROPERTY.

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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 $0

Investment Income $4,905

Other Revenue $45,561

TOTAL REVENUE $50,466

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $8,849

TOTAL EXPENSES $8,849

Year-over-Year Comparison

	2025	2024	Change
Revenue	$50,466	$57,865	-0.1%
Expenses	$8,849	$1,257	+6.0%
Net Income	$41,617	$56,608	-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

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
ROBERT CARMEAN	TREASURER	2.00	Officer Director	$0	$0	$0
CHUCK ECKERT	TRUSTEE	2.00	Director	$0	$0	$0
QUINTON HEISLER	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID MARTIN	TRUSTEE	2.00	Director	$0	$0	$0
BEN WEBB	PRESIDENT	2.00	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	$50,466	$8,849	$612,467	$41,617
2024	$57,865	$1,257	$573,620	$56,608
2023	$123,250	$61,689	$517,012	$61,561
2022	$118,969	$61,165	$1,390,751	$57,804
2021	$121,370	$56,409	$1,332,947	$64,961
2020	$44,472	$57,441	$1,267,984	$-12,969