CHOCTAW HOME FINANCE CORPORATION (EIN 270030542) - 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

2002

Legal Domicile

Principal Officer

GAIL THOMPSON

Phone

5803267521

Tax Period

2023-10-01 to 2024-09-30

CHOCTAW HOME FINANCE CORPORATION, founded in 2002, is a community nonprofit in the Housing & Shelter sector that reported $4.5M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.5M, a strong 33% operating margin.

Mission

TO PROVIDE AFFORDABLE HOME FINANCING TO NATIVE AMERICANS WITH LOW AND MODERATE INCOME.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,904,059

Program Service Revenue $1,461,799

Investment Income $175,886

Other Revenue $0

TOTAL REVENUE $4,541,744

Expense Breakdown

Grants Paid $346,415

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $348,096

Other Expenses $2,701,065

TOTAL EXPENSES $3,047,480

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,541,744	$3,821,789	+0.2%
Expenses	$3,047,480	$3,457,485	-0.1%
Net Income	$1,494,264	$364,304	+3.1%

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
GAIL THOMPSON	Chairman	1.00	Officer Director	$0	$0	$0
VICKIE MCCLURE	Vice Chairman	1.00	Officer Director	$0	$0	$0
VIRGINIA KAY GREEN	Trustee	1.00	Director	$0	$0	$0
TERESA HUGGINS	Trustee	1.00	Director	$0	$0	$0
PRESTON WHEELER	Trustee	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
2024	$4,541,744	$3,047,480	$43,752,384	$1,494,264
2023	$3,821,789	$3,457,485	$42,218,699	$364,304
2022	$4,207,857	$3,928,677	$42,379,923	$279,180
2021	$2,950,150	$2,763,882	$41,603,896	$186,268
2020	$3,112,269	$3,069,026	$41,596,836	$43,243
2019	$3,643,195	$2,690,320	$41,475,720	$952,875
2018	$4,432,626	$2,018,773	$40,473,224	$2,413,853

CHOCTAW HOME FINANCE CORPORATION