HOMEOWNERSHIP CENTER OF GREATER DAYTON INC (EIN 364500925) - 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

2002

Legal Domicile

Principal Officer

STEPHEN NAAS

Phone

9372256328

Tax Period

2022-10-01 to 2023-09-30

HOMEOWNERSHIP CENTER OF GREATER DAYTON INC, founded in 2002, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2022. Revenue fell 28% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $565K, a strong 52% operating margin.

Mission

THE ORGANIZATION EMPOWERS RESIDENTS TO ACHIEVE AND SUSTAIN HOMEOWNERSHIP AND FINANCIAL SUCCESS

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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 (2022)

Revenue Breakdown

Contributions & Grants $987,989

Program Service Revenue $99,164

Investment Income $209

Other Revenue $6,227

TOTAL REVENUE $1,093,589

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $8,174

Program Expenses $460,230

Other Expenses $528,138

TOTAL EXPENSES $528,138

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,093,589	$1,516,271	-0.3%
Expenses	$528,138	$958,254	-0.4%
Net Income	$565,451	$558,017	+0.0%

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

$287,874

Total Directors

$287,874

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN NAAS	DIRECTOR/PRESIDENT	1.00	Officer Director	$0	$23,295	$162,519
TRACY SCHULTZ	DIRECTOR/TREASURER	5.00	Officer Director	$0	$38,542	$125,355
VERONICA BEDELL-NEVELS	DIRECTOR	1.00	Director	$0	$0	$0
KEITH BORDERS	DIRECTOR	1.00	Director	$0	$0	$0
CARLTON JACKSON	DIRECTOR	1.00	Director	$0	$0	$0
TAWANA JONES	DIRECTOR	1.00	Director	$0	$0	$0
SHANNON MEADOWS	DIRECTOR	1.00	Director	$0	$0	$0
FRANK PETRIE	DIRECTOR	1.00	Director	$0	$0	$0
MARYA RUTHERFORD LONG	DIRECTOR	1.00	Director	$0	$0	$0
LIZ SONNANSTINE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN ZIMMERMAN	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA RAHMAN	DIRECTOR/CHAIR	1.00	Officer Director	$0	$0	$0
KAREN DEMASI	DIRECTOR/VICE CHAIR	1.00	Officer Director	$0	$0	$0
KRISTINA LEWIS	DIRECTOR/SECRETARY	1.00	Officer Director	$0	$0	$0
JULIE DEACON	EXECUTIVE DIRECTOR	37.00	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
2023	$1,093,589	$528,138	No data	$565,451
2022	$1,516,271	$958,254	$1,396,257	$558,017
2021	$1,226,035	$1,318,721	$721,425	$-92,686
2020	$1,343,070	$1,330,752	$675,775	$12,318
2019	$331,631	$420,895	$741,714	$-89,264
2018	$240,483	$509,139	$669,556	$-268,656

HOMEOWNERSHIP CENTER OF GREATER DAYTON INC