IMPROVED DWELLINGS FOR ALTOONA INC (EIN 251195823) - 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

JOSEPH KELLER

Phone

8149449466

Tax Period

2024-10-01 to 2025-09-30

IMPROVED DWELLINGS FOR ALTOONA INC, founded in 1968, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $272K, a strong 21% operating margin.

Mission

TO PROVIDE ADMINISTRATIVE SERVICES TO LOW COST HOUSING ORGANIZATIONS

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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 $935,651

Investment Income $359,157

Other Revenue $9,458

TOTAL REVENUE $1,304,266

Expense Breakdown

Grants Paid $0

Salaries & Benefits $559,816

Fundraising Expenses $0

Other Expenses $472,811

TOTAL EXPENSES $1,032,627

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,304,266	$1,068,714	+0.2%
Expenses	$1,032,627	$945,150	+0.1%
Net Income	$271,639	$123,564	+1.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV CARLA GREGORY-BECKTON	DIRECTOR	0.00	Director	$0	$0	$0
DON CLIPPINGER	DIRECTOR	0.00	Director	$0	$0	$0
RABBI AUDREY R KOROTKIN	DIRECTOR	0.00	Director	$0	$0	$0
PAMELA ROOT-BAECHLE	DIRECTOR	0.00	Director	$0	$0	$0
HOWARD ERMIN JR	DIRECTOR	0.00	Director	$0	$0	$0
DALE WILLS	DIRECTOR	0.00	Director	$0	$0	$0
TERRI L KODGIS	DIRECTOR	0.00	Director	$0	$0	$0
WILLIAM H LIGHTNER	DIRECTOR	0.00	Director	$0	$0	$0
REV RICHARD N HENRY JR	DIRECTOR	0.00	Director	$0	$0	$0
REV ELI A HESS	DIRECTOR	0.00	Director	$0	$0	$0
REGINA GEISHAUSER	DIRECTOR	0.00	Director	$0	$0	$0
JOHN W LEAP	DIRECTOR	0.00	Director	$0	$0	$0
JEAN BRESSLER	DIRECTOR	0.00	Director	$0	$0	$0
RITA NAGLE	DIRECTOR	0.00	Director	$0	$0	$0
SHARON RITCHEY	DIRECTOR	0.00	Director	$0	$0	$0
RAY KENNEDY	DIRECTOR	0.00	Director	$0	$0	$0
DENISE PATTILLO REEDER	DIRECTOR	0.00	Director	$0	$0	$0
CHARLES MONG	DIRECTOR	0.00	Director	$0	$0	$0
ALEX J SELTZER	DIRECTOR	0.00	Director	$0	$0	$0
REV JEANNE JACOBSON	DIRECTOR	0.00	Director	$0	$0	$0
IRENE SZYNAL	DIRECTOR	0.00	Director	$0	$0	$0
CLAIRE J WHITE	DIRECTOR	0.00	Director	$0	$0	$0
LINDA MCCALL	DIRECTOR	0.00	Director	$0	$0	$0
ROBERT GUTSHALL	DIRECTOR	0.00	Director	$0	$0	$0
DAVID L DIEDRICH	DIRECTOR	0.00	Director	$0	$0	$0
JOSEPH M FERNICOLA	DIRECTOR	0.00	Director	$0	$0	$0
REV LARRY LOUDER	DIRECTOR	0.00	Director	$0	$0	$0
LOU ANN DONLAN	DIRECTOR	0.00	Director	$0	$0	$0
REV JOHN L EMIG	DIRECTOR	0.00	Director	$0	$0	$0
BRUCE ERB	DIRECTOR	0.00	Director	$0	$0	$0
RICHARD RIVELL	DIRECTOR	0.00	Director	$0	$0	$0
MARGARET MCNITT	DIRECTOR	0.00	Director	$0	$0	$0
LEE OSWALT	TREASURER	0.25	Officer	$0	$0	$0
JOSEPH G KELLER	PRESIDENT	0.25	Officer	$0	$0	$0
JAMES F KUHN	PAST PRESIDENT	0.25	Officer	$0	$0	$0
JOHN A PALKO	ASST SECRETARY	0.25	Officer	$0	$0	$0
KATHRYN A RUTTER	ASST TREASURER	0.25	Officer	$0	$0	$0
REV DOUGLAS R MCGAFFIN	SECRETARY	0.25	Officer	$0	$0	$0
JANE L GABLE	FIRST VICE PRESIDENT	0.25	Officer	$0	$0	$0
WILLIAM E RITENOUR	SECOND VICE PRESIDENT	0.25	Officer	$0	$0	$0
REV DR LENORE HOSIER	DIRECTOR	0.00	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	$1,304,266	$1,032,627	$5,489,454	$271,639
2024	$1,068,714	$945,150	$5,256,458	$123,564
2023	$1,008,994	$856,291	$4,626,130	$152,703
2022	$1,020,620	$862,250	$4,389,500	$158,370
2021	$908,779	$789,922	$4,789,251	$118,857
2020	$886,811	$766,021	$4,252,294	$120,790
2019	$892,552	$741,000	$4,178,716	$151,552
2018	$836,717	$879,923	$4,048,283	$-43,206

IMPROVED DWELLINGS FOR ALTOONA INC