CNY AFFORDABLE REALTY INC (EIN 275102367) - 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

2011

Legal Domicile

Principal Officer

KERRY P QUAGLIA

Phone

3156716008

Tax Period

2024-05-01 to 2025-04-30

CNY AFFORDABLE REALTY INC, founded in 2011, is a small nonprofit in the Housing & Shelter sector that reported $509K in total revenue in fiscal year 2024. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $375K, a strong 74% operating margin.

Mission

TO ASSIST FIRST-TIME HOMEBUYERS AND PROMOTE NEIGHBORHOOD REVITALIZATION EFFORTS.

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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 $0

Program Service Revenue $482,467

Investment Income $26,315

Other Revenue $0

TOTAL REVENUE $508,782

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $132,209

Other Expenses $133,484

TOTAL EXPENSES $133,484

Year-over-Year Comparison

	2024	2023	Change
Revenue	$508,782	$368,103	+0.4%
Expenses	$133,484	$139,033	0.0%
Net Income	$375,298	$229,070	+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

$503,769

Total Directors

$344,754

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KERRY P QUAGLIA	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$19,936	$219,335
KIM DUPAK	SECRETARY/DIRECTOR	1.00	Officer Director	$0	$0	$0
KIM MCILLROY	TREASURER/DIRECTOR	1.00	Officer Director	$0	$7,159	$125,419
TRICIA BAUER	CFO	1.00	Officer	$0	$9,052	$159,015

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	$508,782	$133,484	$1,685,073	$375,298
2024	$368,103	$139,033	$1,271,258	$229,070
2023	$371,235	$112,412	$1,148,874	$258,823
2022	$283,808	$101,464	$807,236	$182,344
2021	$260,211	$151,566	$599,595	$108,645
2020	$229,296	$188,727	$487,248	$40,569
2019	$251,284	$144,274	$446,603	$107,010

CNY AFFORDABLE REALTY INC