Cardinal National Housing Corporat… - Form 990 Financial Data

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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

1995

Legal Domicile

Phone

9017488600

Tax Period

2024-07-01 to 2025-06-30

Cardinal National Housing Corporation, founded in 1995, is a small nonprofit that reported $221K in total revenue in fiscal year 2024. Revenue surged 47% from the prior year, signaling strong growth momentum. The organization ran a surplus of $254K, a strong 115% operating margin.

Mission

TO PROVIDE FINANCIAL ASSISTANCE TO CHI OMEGA FRATERNITY CHAPTERS FOR THE HOUSING OF ITS MEMBERS.

Program Service Accomplishments

Program 1

The organization maintained loans for chapter housing purposes averaging 3,124,694 during the year ended June 30, 2025.

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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 $145,113

Investment Income $75,452

Other Revenue $0

TOTAL REVENUE $220,565

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $-33,157

TOTAL EXPENSES $-33,157

Year-over-Year Comparison

	2024	2023	Change
Revenue	$220,565	$149,640	+0.5%
Expenses	$-33,157	$14,766	-3.2%
Net Income	$253,722	$134,874	+0.9%

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
Andrea McNeil	Secretary	10.0	Director	$0	$0	$0
Anna Bucker	Ex-officio	2.0	Director	$0	$0	$0
Gillian Stewart	Treasurer	2.0	Director	$0	$0	$0
Jill Bowman	President	5.0	Director	$0	$0	$0
Libby Lawson	Vice President	2.0	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	$220,565	$-33,157	$5,370,419	$253,722
2024	$149,640	$14,766	$5,105,674	$134,874
2023	$122,600	$20,439	$4,966,948	$102,161
2022	$129,541	$31,044	$4,864,197	$98,497
2021	$133,481	$75,991	$4,765,371	$57,490
2020	$140,136	$30,636	$4,707,372	$109,500
2019	$93,358	$42,261	$4,665,831	$51,097
2018	$-1,027,468	$141,611	$4,617,027	$-1,169,079

Cardinal National Housing Corporation