BRADFORD-TIOGA LEASED HOUSING CORP (EIN 251739814) - 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

1972

Legal Domicile

Principal Officer

ROGER GRAHAM

Phone

5706382151

Tax Period

2024-07-01 to 2025-06-30

BRADFORD-TIOGA LEASED HOUSING CORP, founded in 1972, is a micro nonprofit in the Housing & Shelter sector that reported $91K in total revenue in fiscal year 2024. Revenue surged 114% from the prior year, signaling strong growth momentum. Expenses of $85K left a modest 6% surplus.

Mission

PROVIDE FINANCIAL ASSISTANCE TO PUBLIC HOUSING AUTHORITIES FOR ACQUISITION AND/OR CONSTRUCTION.

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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 $8,328

Program Service Revenue $-30,977

Investment Income $113,318

Other Revenue $0

TOTAL REVENUE $90,669

Expense Breakdown

Grants Paid $46,321

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $46,321

Other Expenses $39,052

TOTAL EXPENSES $85,373

Year-over-Year Comparison

	2024	2023	Change
Revenue	$90,669	$42,337	+1.1%
Expenses	$85,373	$50,490	+0.7%
Net Income	$5,296	$-8,153	-1.6%

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
ROGER GRAHAM	CHAIR	1.00	Officer Director	$0	$0	$0
RAY DEPAOLA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
AMY WOOD	BOARD MEMBER	1.00	Director	$0	$0	$0
BARB AUSTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
SHANE NICKERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
SEAN SEMBER	EXECUTIVE DIRECTOR	5.00	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	$90,669	$85,373	$2,760,595	$5,296
2024	$42,337	$50,490	$2,731,692	$-8,153
2023	$15,287	$36,384	$2,708,439	$-21,097
2022	$1,506,160	$32,369	$2,737,864	$1,473,791
2021	$56,069	$30,835	$1,272,401	$25,234
2020	$32,269	$53,209	$1,255,495	$-20,940
2019	$43,200	$36,592	$1,284,763	$6,608
2018	$216,549	$623,121	$1,347,195	$-406,572

BRADFORD-TIOGA LEASED HOUSING CORP