BUFFALO AREA COMMUNITY HOUSING CORP

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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

1976

Legal Domicile

Principal Officer

CHELSEY OWNBY

Phone

4176244144

Tax Period

2025-01-01 to 2025-12-31

BUFFALO AREA COMMUNITY HOUSING CORP, founded in 1976, is a small nonprofit that reported $344K in total revenue in fiscal year 2025.

Mission

TO PROVIDE AFFORDABLE HOUSING FOR LOW TO MODERATE INCOME INDIVIDUALS

Program Service Accomplishments

Program 1

Expenses: $368,367 Revenue: $344,185

PROVIDED AFFORDABLE HOUSING FOR LOW TO MODERATE INCOME INDIVIDUALS.

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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 $343,302

Investment Income $883

Other Revenue $0

TOTAL REVENUE $344,185

Expense Breakdown

Grants Paid $0

Salaries & Benefits $37,776

Fundraising Expenses $0

Program Expenses $368,367

Other Expenses $330,591

TOTAL EXPENSES $368,367

Year-over-Year Comparison

	2025	2024	Change
Revenue	$344,185	N/A	N/A
Expenses	$368,367	N/A	N/A
Net Income	$-24,182	N/A	N/A

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
ELAINE ANDERSON	MEMBER	1.00	Director	$0	$0	$0
JUDY GRAY	MEMBER	1.00	Director	$0	$0	$0
REGINA BLAIR	MEMBER	1.00	Director	$0	$0	$0
DEBBIE CLINE	MEMBER	1.00	Director	$0	$0	$0
KATHY BANKS	MEMBER	1.00	Director	$0	$0	$0
ANDREA GANN	MEMBER	1.00	Director	$0	$0	$0
CHELSEY OWNBY	VICE PRESIDENTSECRETARY	2.00	Officer	$0	$0	$0
DEBBIE HENDERSON	PRESIDENT	2.00	Officer	$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	$344,185	$368,367	$1,117,607	$-24,182
2024	$293,351	$370,362	$1,151,252	$-77,011
2023	$264,901	$334,830	$1,243,299	$-69,929
2022	$248,127	$240,601	$1,315,135	$7,526
2021	$249,611	$241,891	$427,246	$7,720
2020	$238,759	$231,117	$430,519	$7,642
2019	$237,394	$227,281	$433,171	$10,113
2018	$238,046	$221,129	$435,308	$16,917