COSHOCTON AREA HOUSING CORPORATION (EIN 310968258) - 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

1980

Legal Domicile

Principal Officer

DALE W HARTLE

Phone

7406220529

Tax Period

2023-10-01 to 2024-09-30

COSHOCTON AREA HOUSING CORPORATION, founded in 1980, is a small nonprofit in the Housing & Shelter sector that reported $144K in total revenue in fiscal year 2023. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $197K exceeded revenue, resulting in a 37% operating deficit.

Mission

COSHOCTON AREA HOUSING CORPORATION (THE "PROJECT") IS A 20-UNIT PROJECT FOR ELDERLY AND HANDICAPPED PERSONS LOCATED IN COSHOCTON, OHIO. THE PROJECT IS OPERATED UNDER SECTION 202 OF THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD"). UNDER SECTION 202, THE PROJECT MUST ALSO PROVIDES SUPPORTIVE SERVICES, SUCH AS LEANING, MEALS, TRANSPORTATION, ETC. THE PROJECT'S MAJOR PROGRAM IS SECTION 202 CAPITAL ADVANCE.

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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 $0

Program Service Revenue $115,222

Investment Income $110

Other Revenue $28,514

TOTAL REVENUE $143,846

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,339

Fundraising Expenses $0

Program Expenses $131,955

Other Expenses $147,383

TOTAL EXPENSES $196,722

Year-over-Year Comparison

	2023	2022	Change
Revenue	$143,846	$238,869	-0.4%
Expenses	$196,722	$190,600	+0.0%
Net Income	$-52,876	$48,269	-2.1%

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

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

$46,496

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DALE W HARTLE	PRESIDENT	4.00	Officer Director	$0	$0	$0
TONYA GARRETT	TREASURER/SECRETARY	6.00	Officer Director	$0	$0	$0
TERESA HARTLE	BOARD MEMBER	36.00	Director	$46,496	$0	$46,496
MARK LAHNA	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT HILLS	BOARD MEMBER	1.00	Director	$0	$0	$0
CHARLES TURNER	BOARD MEMBER	1.00	Director	$0	$0	$0
JERRY BIXLER	BOARD MEMBER	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	$143,846	$196,722	$422,097	$-52,876
2023	$238,869	$190,600	$504,860	$48,269

COSHOCTON AREA HOUSING CORPORATION