THE CROSSVILLE HOUSING DEVELOPMENT CORP (EIN 342051062) - 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

1998

Legal Domicile

Principal Officer

KATHY VANLANDINGHAM

Phone

9314842990

Tax Period

2025-01-01 to 2025-12-31

THE CROSSVILLE HOUSING DEVELOPMENT CORP, founded in 1998, is a small nonprofit in the Housing & Shelter sector that reported $895K in total revenue in fiscal year 2025. Revenue surged 245% from the prior year, signaling strong growth momentum. Expenses of $797K left a modest 11% surplus.

Mission

OUR PURPOSE IS TO ASSIST LOW AND MODERATE INCOME INDIVIDUALS WITH OBTAINING AFFORDABLE HOUSING.

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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 (2025)

Revenue Breakdown

Contributions & Grants $720,054

Program Service Revenue $0

Investment Income $13,838

Other Revenue $160,830

TOTAL REVENUE $894,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $256,015

Fundraising Expenses $0

Program Expenses $763,639

Other Expenses $541,098

TOTAL EXPENSES $797,113

Year-over-Year Comparison

	2025	2024	Change
Revenue	$894,722	$259,300	+2.5%
Expenses	$797,113	$267,267	+2.0%
Net Income	$97,609	$-7,967	-13.3%

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

333

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

$111,914

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRAVIS ISAACSON	CHAIRMAN	2.00	Officer Director	$0	$0	$0
JOSH STONE	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
GLADYS MCNEAL	BOARD MEMBER	2.00	Director	$0	$0	$0
CLARK WEST	BOARD MEMBER	2.00	Director	$0	$0	$0
MELINDA KELSEY	BOARD MEMBER	2.00	Director	$0	$0	$0
BRENDA HARRIS	BOARD MEMBER	2.00	Director	$0	$0	$0
KIM LYLES	BOARD MEMBER	2.00	Director	$0	$0	$0
KATHY VANLANDINGHAM	EXECUTIVE DIRECTOR	2.00	Officer	$0	$0	$111,914

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	$894,722	$797,113	$500,518	$97,609
2024	$259,300	$267,267	$393,097	$-7,967
2023	$251,411	$219,983	$400,294	$31,428
2022	$695,592	$448,855	$374,397	$246,737
2021	$458,870	$391,594	$129,913	$67,276
2020	$340,747	$298,338	$63,406	$42,409
2019	$308,666	$311,468	$16,455	$-2,802
2018	$284,842	$292,078	$13,645	$-7,236

THE CROSSVILLE HOUSING DEVELOPMENT CORP