ZEPF HOUSING CORPORATION THREE INC (EIN 341472090) - 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

1985

Legal Domicile

Principal Officer

DAVID OPPENLANDER

Phone

4198417701

Tax Period

2024-07-01 to 2025-06-30

ZEPF HOUSING CORPORATION THREE INC, founded in 1985, is a small nonprofit in the Human Services sector that reported $400K in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring.

Mission

HOUSING FOR THE MENTALLY DISABLED.

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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 $215,888

Program Service Revenue $181,733

Investment Income $33

Other Revenue $2,203

TOTAL REVENUE $399,857

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,975

Fundraising Expenses $0

Program Expenses $310,796

Other Expenses $313,781

TOTAL EXPENSES $406,756

Year-over-Year Comparison

	2024	2023	Change
Revenue	$399,857	$508,254	-0.2%
Expenses	$406,756	$569,835	-0.3%
Net Income	$-6,899	$-61,581	-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

$562,114

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRACCI JOHNSON	TRUSTEE	0.50	Director	$0	$0	$0
ROBERT BASS	TRUSTEE	0.50	Director	$0	$0	$0
MICHAEL HINOJOSA	TREASURER	0.50	Officer Director	$0	$0	$0
SALLY GOLIGOSKI	TRUSTEE	0.50	Director	$0	$0	$0
CINDY KIRBY	TRUSTEE	0.50	Director	$0	$0	$0
DAVID REED	TRUSTEE	0.50	Director	$0	$0	$0
LUCIA BIASELLA-SHARP	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
ANITA CRANE	SECRETARY	0.50	Officer Director	$0	$0	$0
CATHY CARROLL	TRUSTEE	0.50	Director	$0	$0	$0
CHRISTOPHER PAWSON	PAST PRESIDENT	0.00	Officer Director	$0	$0	$0
CYNTHIA GERONIMO	PRESIDENT	0.50	Officer Director	$0	$0	$0
JAMES WORDEN	TRUSTEE	0.50	Director	$0	$0	$0
CARLOS RUIZ	TRUSTEE	0.50	Director	$0	$0	$0
WILLIE GARRETT	TRUSTEE	0.50	Director	$0	$0	$0
DEBORAH FLORES	CEO	1.00	Officer	$0	$35,118	$311,545
ADAM NUTT	FORMER CHIEF FINANCIAL OFFICER	1.00	Officer	$0	$24,304	$250,569
DAVID OPPENLANDER	CHIEF FINANCIAL OFFICER	1.00	Officer	$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	$399,857	$406,756	$347,158	$-6,899
2024	$508,254	$569,835	$595,644	$-61,581
2023	$393,954	$424,512	$516,854	$-30,558
2022	$339,446	$315,909	$506,333	$23,537
2021	$370,808	$370,980	$455,932	$-172
2020	$425,636	$391,141	$471,659	$34,495
2019	$642,323	$612,444	$471,350	$29,879
2018	$605,363	$562,272	$461,453	$43,091

ZEPF HOUSING CORPORATION THREE INC