CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES (EIN 273693233) - 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

Coley Williams

Phone

8165337417

Tax Period

2025-01-01 to 2025-12-31

CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES, founded in 2010, is a community nonprofit in the Human Services sector that reported $3.5M in total revenue in fiscal year 2025. The organization ran a surplus of $969K, a strong 28% operating margin.

Mission

Dedicated to empowering low to moderate income individuals and families with the knowledge skills and confidence necessary for long-term financial & homeownership success.

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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 (2025)

Revenue Breakdown

Contributions & Grants $3,471,535

Program Service Revenue $12,335

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,483,870

Expense Breakdown

Grants Paid $841,137

Salaries & Benefits $1,014,298

Fundraising Expenses $5,000

Program Expenses $2,425,025

Other Expenses $658,984

TOTAL EXPENSES $2,514,419

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,483,870	$3,665,348	0.0%
Expenses	$2,514,419	$2,874,236	-0.1%
Net Income	$969,451	$791,112	+0.2%

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

$354,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Coley Williams	President	50.00	Officer	$177,000	$0	$177,000
Ron Farmer	Vice President	50.00	Officer	$177,000	$0	$177,000
Cynthia Anderson	Secretary	1.00	Officer	$0	$0	$0
Ruby Adams	Treasurer	1.00	Officer	$0	$0	$0
Nicole Harper	Board Member	1.00	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	$3,483,870	$2,514,419	$5,841,417	$969,451
2024	$3,665,348	$2,874,236	$5,531,806	$791,112
2023	No data	No data	No data	No data
2022	$4,586,154	$4,078,634	$5,052,650	$507,520
2021	$2,995,158	$1,914,428	$7,920,481	$1,080,730

CREDIT & HOMEOWNERSHIP EMPOWERMENT SERVICES