CENTENNIAL HOUSING INC (EIN 264463089) - 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

2009

Legal Domicile

Principal Officer

KELLY SAVOCA

Phone

3018402000

Tax Period

2024-07-01 to 2025-06-30

CENTENNIAL HOUSING INC, founded in 2009, is a micro nonprofit in the Housing & Shelter sector that reported $83K in total revenue in fiscal year 2024. Expenses of $153K exceeded revenue, resulting in a 85% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING TO PERSONS WITH DISABILITIES UNDER SECTION 811 OF THE NATIONAL AFFORDABLE HOUSING ACT.

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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 $50,070

Program Service Revenue $32,040

Investment Income $575

Other Revenue $0

TOTAL REVENUE $82,685

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $98,275

Other Expenses $153,028

TOTAL EXPENSES $153,028

Year-over-Year Comparison

	2024	2023	Change
Revenue	$82,685	$78,012	+0.1%
Expenses	$153,028	$118,705	+0.3%
Net Income	$-70,343	$-40,693	+0.7%

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

$1,477,503

Total Directors

$717,417

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE MAISTROS	PRESIDENT	1.00	Officer Director	$0	$22,953	$292,801
SARAH NORMAN CHIEF COMMUNITY	DEVELOPMENT THRU 08/18/24	0.25	Officer Director	$0	$31,784	$224,077
RICHARD BARR	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ERINN SHAW	VICE-PRESIDENT THRU 11/24/24	0.25	Officer Director	$0	$0	$0
DAVID WEISS	SECRETARY	0.25	Officer Director	$0	$0	$0
ISSUMI YOUNG	SECRETARY THRU 11/24/24	0.25	Officer Director	$0	$0	$0
MARISA PLUNK	TREASURER	1.00	Officer Director	$0	$35,725	$200,539
JOHN SHIPLEY	DIRECTOR	0.25	Director	$0	$0	$0
CHARLES FARMER	DIRECTOR	0.25	Director	$0	$0	$0
KELLY SAVOCA	SVP & CFO	0.25	Officer	$0	$51,357	$760,086

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	$82,685	$153,028	$1,188,589	$-70,343
2024	$78,012	$118,705	$1,205,013	$-40,693
2023	$69,439	$108,979	$1,242,717	$-39,540
2022	$57,246	$127,340	$1,247,783	$-70,094
2021	$72,509	$96,501	$1,277,076	$-23,992
2020	$72,179	$93,951	$1,299,601	$-21,772
2019	$68,902	$93,602	$1,322,324	$-24,700
2018	$77,285	$90,240	$1,346,044	$-12,955

CENTENNIAL HOUSING INC