COMMUNITY HOUSING ADVOCACY AND DEVELOPMENT (EIN 363246645) - 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

1983

Legal Domicile

Principal Officer

ROSEMARIE MONTANEZ

Phone

6304564452

Tax Period

2024-10-01 to 2025-09-30

COMMUNITY HOUSING ADVOCACY AND DEVELOPMENT, founded in 1983, is a community nonprofit in the Housing & Shelter sector that reported $8.2M in total revenue in fiscal year 2024. Expenses of $7.3M left a modest 11% surplus.

Mission

CHAD IS COMMITTED TO DELIVERING QUALITY, AFFORDABLE HOUSING WHERE INDIVIDUALS AND FAMILIES CAN LIVE, WORK AND THRIVE.

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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 $19,750

Program Service Revenue $8,025,962

Investment Income $47,926

Other Revenue $63,030

TOTAL REVENUE $8,156,668

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,610,982

Fundraising Expenses $3,099

Program Expenses $6,788,517

Other Expenses $5,640,210

TOTAL EXPENSES $7,251,192

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,156,668	$8,028,373	+0.0%
Expenses	$7,251,192	$7,311,254	0.0%
Net Income	$905,476	$717,119	+0.3%

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

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

$114,713

Total Directors

$269,271

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY SINGER	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
RUTH CARLSON	TREASURER	2.00	Officer Director	$0	$0	$0
MELLODY EDWARDS	DIRECTOR	1.00	Director	$0	$0	$0
RITA GAGE	DIRECTOR	1.00	Director	$0	$0	$0
YODET GIDEY	DIRECTOR	1.00	Director	$0	$0	$0
REGENA GROVES	DIRECTOR	1.00	Director	$0	$0	$0
MICHAL KORNECKI	DIRECTOR	1.00	Director	$0	$0	$0
MARY LOCH FORMER PRESIDENT	DIRECTOR	1.00	Director	$260,732	$8,539	$269,271
AMY OLSON	DIRECTOR	1.00	Director	$0	$0	$0
RANEISHA POINTER	DIRECTOR	1.00	Director	$0	$0	$0
ROSEMARIE MONTANEZ	PRESIDENT	40.00	Officer	$105,456	$9,257	$114,713
JOHN WARE	DIRECTOR OF FACILITIES	40.00	Highest	$109,103	$6,658	$115,761

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	$8,156,668	$7,251,192	$42,836,849	$905,476
2024	$8,028,373	$7,311,254	$42,964,786	$717,119
2023	$7,648,293	$7,166,184	$43,544,544	$482,109
2022	$7,307,138	$6,908,477	$43,551,754	$398,661
2021	$7,083,245	$7,070,547	$43,416,475	$12,698
2020	$6,879,741	$6,793,871	$44,435,127	$85,870
2019	$6,400,648	$6,389,963	$44,750,359	$10,685
2018	$6,137,569	$5,845,675	$42,105,327	$291,894

COMMUNITY HOUSING ADVOCACY AND DEVELOPMENT