HOUSING OPPORTUNITIES INC (EIN 251722943) - 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

1997

Legal Domicile

Principal Officer

ZABRIAWN SMITH

Phone

7247287511

Tax Period

2024-07-01 to 2025-06-30

HOUSING OPPORTUNITIES INC, founded in 1997, is a community nonprofit in the Housing & Shelter sector that reported $1.0M in total revenue in fiscal year 2024. Revenue surged 151% from the prior year, signaling strong growth momentum. The organization ran a surplus of $354K, a strong 35% operating margin.

Mission

TO ASSIST LOW AND MODERATE INCOME FAMILIES TO SECURE AND MAINTAIN OWNERSHIP OF HOUSING

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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 $649,710

Program Service Revenue $357,531

Investment Income $-54,996

Other Revenue $59,004

TOTAL REVENUE $1,011,249

Expense Breakdown

Grants Paid $0

Salaries & Benefits $321,835

Fundraising Expenses $25,953

Program Expenses $487,234

Other Expenses $334,931

TOTAL EXPENSES $656,766

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,011,249	$403,498	+1.5%
Expenses	$656,766	$323,717	+1.0%
Net Income	$354,483	$79,781	+3.4%

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

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

$92,199

Total Directors

$92,199

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZABRIAWN SMITH	EXECUTIVE DIRECTOR	40.00	Officer Director	$92,199	$0	$92,199
TED GEORGE	CHAIR	1.00	Officer Director	$0	$0	$0
RICHARD MICHAELS	TREASURER	1.00	Officer Director	$0	$0	$0
SANDRA CURRY	SECREATRY	1.00	Officer Director	$0	$0	$0
ADRIONA WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
SARA LOWMAN	DIRECTOR	1.00	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	$1,011,249	$656,766	$645,584	$354,483
2025	$1,011,249	$656,766	$645,584	$354,483
2024	$403,498	$323,717	$670,313	$79,781
2023	$261,227	$234,247	$361,234	$26,980
2022	$156,637	$210,158	$39,357	$-53,521
2021	$232,390	$190,248	$86,387	$42,142
2020	$223,685	$200,440	$80,115	$23,245

HOUSING OPPORTUNITIES INC