AFFORDABLE HOUSING CLEARINGHOUSE (EIN 330489568) - 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

1990

Legal Domicile

Principal Officer

BRENDA J RODRIGUEZ

Phone

9498599255

Tax Period

2024-07-01 to 2025-06-30

AFFORDABLE HOUSING CLEARINGHOUSE, founded in 1990, is a small nonprofit in the Housing & Shelter sector that reported $905K in total revenue in fiscal year 2024. Revenue surged 52% from the prior year, signaling strong growth momentum. The organization ran a surplus of $322K, a strong 36% operating margin.

Mission

AFFORDABLE HOUSING CLEARINGHOUSE IS A CALIFORNIA NOT-FOR-PROFIT ORGANIZATION, CONSISTING OF A NETWORK OF LENDING INSTITUTIONS DEDICATED TO PROVIDING AFFORDABLE HOUSING IN SOUTHERN CALIFORNIA, FOR LOW-TO-MODERATE INCOME INDIVIDUALS THROUGH (A) PROVIDING HOMEBUYERS EDUCATION AND CREDIT COUNSELING; (B) REVIEWING AND COMPILING LOAN APPLICATIONS, AS WELL AS COORDINATING LOAN APPLICANTS WITH LENDERS; (C) ACQUIRING REHABILITATING OR CONSTRUCTING, AND RESELLING AFFORDABLE HOUSING; AND (D) OWNING AND MANAGING LOW-INCOME PERMANENT RENTAL HOUSING. THE ORGANIZATION OBTAINS MEMBERSHIP CONTRIBUTIONS FROM ITS NETWORK OF LENDING INSTITUTIONS ON A VOLUNTARY BASIS.

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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 $698,610

Program Service Revenue $196,183

Investment Income $10,367

Other Revenue $0

TOTAL REVENUE $905,160

Expense Breakdown

Grants Paid $0

Salaries & Benefits $391,697

Fundraising Expenses $21,249

Program Expenses $460,956

Other Expenses $190,980

TOTAL EXPENSES $582,677

Year-over-Year Comparison

	2024	2023	Change
Revenue	$905,160	$597,329	+0.5%
Expenses	$582,677	$586,598	0.0%
Net Income	$322,483	$10,731	+29.1%

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

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

$180,247

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA J RODRIGUEZ	Executive Dir.	40.00	Officer	$154,529	$25,718	$180,247
DAVID LEVY	Director	0.50	Director	$0	$0	$0
GERALD TURNER	Director	0.50	Director	$0	$0	$0
KANDY HUNG	Vice chair	0.50	Officer Director	$0	$0	$0
LARRY CHRISTIAN	Director	0.50	Director	$0	$0	$0
AJAY NAYAR	Treasurer	0.50	Officer Director	$0	$0	$0
ALAN WOO	Director	0.50	Director	$0	$0	$0
EDUARDO ESPINOZA	Director	0.50	Director	$0	$0	$0
CHRISTOPHER GARCIA	Chairman	0.50	Officer Director	$0	$0	$0
CHERYL RYMAN	Secretary	0.92	Officer 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	$905,160	$582,677	$2,996,747	$322,483
2024	No data	No data	No data	No data
2023	$818,965	$514,535	$2,583,010	$304,430
2022	$812,922	$472,292	$2,280,285	$340,630
2021	$540,630	$439,081	$1,947,604	$101,549
2020	$452,958	$470,212	$1,909,000	$-17,254
2019	$504,121	$428,957	$1,853,547	$75,164
2018	$386,248	$418,546	$1,745,728	$-32,298

AFFORDABLE HOUSING CLEARINGHOUSE