CHARITON VALLEY REGIONAL HOUSING TRUST FUND INC (EIN 273553319) - 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

2010

Legal Domicile

Principal Officer

JASON FRASER

Phone

6414361775

Tax Period

2024-07-01 to 2025-06-30

CHARITON VALLEY REGIONAL HOUSING TRUST FUND INC, founded in 2010, is a small nonprofit in the Housing & Shelter sector that reported $107K in total revenue in fiscal year 2024. Revenue fell 51% from the prior year — a significant decline worth monitoring. Expenses of $253K exceeded revenue, resulting in a 136% operating deficit.

Mission

TO PROVIDE SAFE AND AFFORDABLE HOUSING TO LOW AND MODERATE INCOME RESIDENTS LOCATED WITHIN THE IOWA COUNTIES OF APPANOOSE, LUCAS, MONROE AND WAYNE.

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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 $263,504

Program Service Revenue $0

Investment Income $-156,328

Other Revenue $225

TOTAL REVENUE $107,401

Expense Breakdown

Grants Paid $107,301

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $198,918

Other Expenses $146,061

TOTAL EXPENSES $253,362

Year-over-Year Comparison

	2024	2023	Change
Revenue	$107,401	$217,699	-0.5%
Expenses	$253,362	$310,884	-0.2%
Net Income	$-145,961	$-93,185	+0.6%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RUTH NEUBERT	DIRECTOR	1.00	Director	$0	$0	$0
JASON FRASER	CHAIR	1.00	Officer Director	$0	$0	$0
MICHAEL ARMSTRONG	DIRECTOR	1.00	Director	$0	$0	$0
CINDY CRONIN	DIRECTOR	1.00	Director	$0	$0	$0
RYAN AMMONS	SECRETARY	1.00	Officer Director	$0	$0	$0
SCOTT VALENTINE	DIRECTOR	1.00	Director	$0	$0	$0
DAVE DAUGHTON	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
TRACY TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
DREW POWER	DIRECTOR	1.00	Director	$0	$0	$0
DAVE KUBALL	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE AULWES	TREASURER	1.00	Officer 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	$107,401	$253,362	$1,074,645	$-145,961
2024	$217,699	$310,884	$1,220,785	$-93,185
2023	$227,614	$244,649	$1,346,102	$-17,035
2022	$578,135	$296,254	$1,328,374	$281,881
2021	$252,977	$75,517	$1,042,408	$177,460
2020	$249,042	$365,918	$862,600	$-116,876
2019	$473,105	$273,105	$982,475	$200,000
2018	$422,715	$179,719	$805,951	$242,996

CHARITON VALLEY REGIONAL HOUSING TRUST FUND INC