SECOND BAPTIST HOUSING ASSOCIATION INC (EIN 311099083) - 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

2001

Legal Domicile

Principal Officer

OLIVIA JOHNSON

Phone

6149422020

Tax Period

2024-01-01 to 2024-12-31

SECOND BAPTIST HOUSING ASSOCIATION INC, founded in 2001, is a small nonprofit in the Housing & Shelter sector that reported $604K in total revenue in fiscal year 2024. Expenses of $569K left a modest 6% surplus.

Mission

PROVIDE HOUSING FOR THE HANDICAPPED AND ELDERLY.

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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 $393,078

Program Service Revenue $163,134

Investment Income $2,112

Other Revenue $45,678

TOTAL REVENUE $604,002

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $531,372

Other Expenses $568,741

TOTAL EXPENSES $568,741

Year-over-Year Comparison

	2024	2023	Change
Revenue	$604,002	$569,542	+0.1%
Expenses	$568,741	$576,708	0.0%
Net Income	$35,261	$-7,166	-5.9%

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

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
OLIVIA JOHNSON	PRESIDENT	5.00	Officer Director	$0	$0	$0
SANDRA LOCKHART	VICE-PRESIDENT	2.00	Officer Director	$0	$0	$0
MICHELLE BOYER	TREASURER	2.00	Officer Director	$0	$0	$0
ANDREA DAVIS-DONALDSON	SECRETARY	2.00	Officer Director	$0	$0	$0
MICHAEL GORDON	MEMBER (THROUGH APRIL 2024)	2.00	Director	$0	$0	$0
MICHAEL DAVIS	MEMBER	2.00	Director	$0	$0	$0
GEORGE MILLER	MEMBER (THROUGH APRIL 2024)	2.00	Director	$0	$0	$0
DEBORAH LEE	MEMBER	2.00	Director	$0	$0	$0
MICHAEL BRADLEY	MEMBER	2.00	Director	$0	$0	$0
NERMA COCKRELL	MEMBER	2.00	Director	$0	$0	$0
JOHN B RAMSEY	MEMBER	2.00	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	$604,002	$568,741	$1,244,336	$35,261
2023	$569,542	$576,708	$1,236,129	$-7,166
2022	$300,488	$406,026	$2,039,409	$-105,538
2021	$297,150	$347,931	$2,114,243	$-50,781
2020	$296,574	$329,315	$2,144,807	$-32,741
2019	$290,555	$328,155	$2,186,871	$-37,600
2018	$290,503	$347,794	$2,215,643	$-57,291

SECOND BAPTIST HOUSING ASSOCIATION INC