SOUTH TEXAS COLLABORATIVE FOR HOUSING DEVELOPMENT INC (EIN 271198063) - 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

LUIS GARZA

Phone

9567972324

Tax Period

2017-10-01 to 2018-09-30

SOUTH TEXAS COLLABORATIVE FOR HOUSING DEVELOPMENT INC, founded in 2009, is a small nonprofit that reported $171K in total revenue in fiscal year 2017. Revenue surged 107% from the prior year, signaling strong growth momentum. Expenses of $284K exceeded revenue, resulting in a 66% operating deficit.

Mission

ASSIST IN PROVIDING HOUSING TO LOW AND MODERATE INCOME INDIVIDUALS.

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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 (2017)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $156,496

Investment Income $10,545

Other Revenue $3,628

TOTAL REVENUE $170,669

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,035

Fundraising Expenses $0

Program Expenses $227,042

Other Expenses $182,767

TOTAL EXPENSES $283,802

Year-over-Year Comparison

	2017	2016	Change
Revenue	$170,669	$82,640	+1.1%
Expenses	$283,802	$332,581	-0.1%
Net Income	$-113,133	$-249,941	-0.5%

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

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

$45,075

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUIS GARZA	PRESIDENT	2.00	Officer Director	$0	$0	$0
GEORGE DALE	VICE-PRESIDENT	2.00	Officer Director	$0	$0	$0
IDA SILGUERO	SECRETARY	2.00	Officer Director	$0	$0	$0
ANGELICA BALDIVIA	DIRECTOR	2.00	Director	$0	$0	$0
GLORIA CASAS	DIRECTOR	2.00	Director	$0	$0	$0
EMMA MARTINEZ	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH WARNER	DIRECTOR	2.00	Director	$0	$0	$0
SUNNY K PHILIP	EXECUTIVE DIRECTOR	40.00	Officer	$45,075	$0	$45,075

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
2018	$170,669	$283,802	$3,359,036	$-113,133

SOUTH TEXAS COLLABORATIVE FOR HOUSING DEVELOPMENT INC