CONEMAUGH HOUSING INC

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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

Legal Domicile

Principal Officer

MICHELLE PETERSON

Phone

8149449466

Tax Period

2025-01-01 to 2025-12-31

CONEMAUGH HOUSING INC, founded in 1990, is a small nonprofit in the Housing & Shelter sector that reported $551K in total revenue in fiscal year 2025.

Mission

PROVIDE ELDERLY AND DISABLED PERSONS WITH HOUSING FACILITIES AND SERVICES SPECIFICALLY DESIGNED TO MEET THEIR PHYSICAL, SOCIAL AND PSYCHOLOGICAL NEEDS.

Program Service Accomplishments

Program 1

Expenses: $546,333 Revenue: $180,139

TO PROVIDE LOW COST HOUSING ON A NON-PROFIT BASIS TO THOSE IN NEED.

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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 $369,783

Program Service Revenue $179,595

Investment Income $1,370

Other Revenue $544

TOTAL REVENUE $551,292

Expense Breakdown

Grants Paid $0

Salaries & Benefits $149,185

Fundraising Expenses $0

Program Expenses $546,333

Other Expenses $435,128

TOTAL EXPENSES $584,313

Year-over-Year Comparison

	2025	2024	Change
Revenue	$551,292	$529,840	+0.0%
Expenses	$584,313	$530,861	+0.1%
Net Income	$-33,021	$-1,021	+31.3%

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

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	Role	Reportable Comp	Other Comp	Total
PASTER DAVID STREETS	PRESIDENT	Officer	$0	$0	$0
KATHRYN A RUTTER	VICE PRESIDENT	Officer	$0	$0	$0
JOHN A PALKO	TREASURER	Officer	$0	$0	$0
WILLIAM RITENOUR	SECRETARY	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	$551,292	$584,313	$1,503,591	$-33,021
2024	$529,840	$530,861	$1,570,877	$-1,021
2023	$507,284	$477,661	$1,620,220	$29,623
2022	$504,160	$484,964	$1,652,962	$19,196
2021	$472,486	$571,134	$1,663,821	$-98,648
2020	$470,494	$492,167	$1,740,071	$-21,673
2019	$459,047	$489,753	$1,787,842	$-30,706
2018	$611,216	$500,434	$1,858,577	$110,782