CREATIVE SENIOR HOUSING (EIN 331147666) - 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

2006

Legal Domicile

Principal Officer

CARINA WILSON

Phone

6148061913

Tax Period

2024-07-01 to 2025-06-30

CREATIVE SENIOR HOUSING, founded in 2006, is a small nonprofit in the Housing & Shelter sector that reported $383K in total revenue in fiscal year 2024. Expenses of $530K exceeded revenue, resulting in a 38% operating deficit.

Mission

TO PROVIDE HOUSING FOR ELDERLY AND HANDICAPPED PERSONS.

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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 $135,724

Program Service Revenue $229,357

Investment Income $2,400

Other Revenue $15,255

TOTAL REVENUE $382,736

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $471,175

Other Expenses $529,525

TOTAL EXPENSES $529,525

Year-over-Year Comparison

	2024	2023	Change
Revenue	$382,736	$374,284	+0.0%
Expenses	$529,525	$513,233	+0.0%
Net Income	$-146,789	$-138,949	+0.1%

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

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
STASSI CRAMM	PRESIDENT (THRU DECEMBER 2024)	1.00	Officer Director	$0	$0	$0
CARINA LORD WILSON	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
STEVE GRAFFEO	VICE PRESIDENT (EFFECTIVE DECEMBER 2024)	1.00	Officer Director	$0	$0	$0
AMY HOERCHLER	PRESIDENT (EFFECTIVE DECEMBER 2024)	1.00	Officer Director	$0	$0	$0
RONALD HARMON	DIRECTOR (EFFECTIVE DECEMBER 2024)	1.00	Director	$0	$0	$0
WIM VAN KLINKEN	DIRECTOR (EFFECTIVE DECEMBER 2024)	1.00	Director	$0	$0	$0
JAMES CRAFT	DIRECTOR (EFFECTIVE DECEMBER 2024)	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
2025	$382,736	$529,525	$3,689,779	$-146,789
2024	$374,284	$513,233	$3,830,830	$-138,949
2023	$338,563	$490,821	$3,964,470	$-152,258
2022	$328,175	$449,821	$4,020,494	$-121,646
2021	$313,944	$453,532	$4,135,216	$-139,588
2020	$311,908	$445,778	$4,271,925	$-133,870
2019	$295,472	$420,612	$4,400,336	$-125,140

CREATIVE SENIOR HOUSING