UPGRADE A NON-PROFIT HOUSING CORPORATION (EIN 370905128) - 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

1968

Legal Domicile

Principal Officer

Gene Gathers

Phone

3096764717

Tax Period

2024-10-01 to 2025-09-30

UPGRADE A NON-PROFIT HOUSING CORPORATION, founded in 1968, is a small nonprofit that reported $290K in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $210K, a strong 72% operating margin.

Mission

Rental of low to moderate income 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 (2024)

Revenue Breakdown

Contributions & Grants $2,532

Program Service Revenue $27,085

Investment Income $620

Other Revenue $260,203

TOTAL REVENUE $290,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,788

Fundraising Expenses $0

Program Expenses $69,576

Other Expenses $70,624

TOTAL EXPENSES $80,412

Year-over-Year Comparison

	2024	2023	Change
Revenue	$290,440	$214,046	+0.4%
Expenses	$80,412	$269,377	-0.7%
Net Income	$210,028	$-55,331	-4.8%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
Stephen Cantrell	Board Member	Director	$0	$0	$0
Julie Comfort	Board Member	Director	$0	$0	$0
Marvin Hightower	Board Member	Director	$0	$0	$0
William Lervaag	Board Member	Director	$0	$0	$0
Jeffrey Randolf	Board Member	Director	$0	$0	$0
Bradley Sain	Board Member	Director	$0	$0	$0
Terry Cunefare	Board President	Officer Director	$0	$0	$0
Bea Cagle	Board Vice President	Officer Director	$0	$0	$0
Mark Gamage	Board Treasurer	Officer Director	$0	$0	$0
Ken Sunderland	Board Member	Director	$0	$0	$0
Muke Hamilton	Board Member	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	$290,440	$80,412	$279,906	$210,028
2024	No data	No data	No data	No data
2023	$34,405	$35,715	$296,119	$-1,310
2022	$49,423	$62,819	$277,936	$-13,396
2021	$86,515	$40,011	$263,042	$46,504
2020	$78,615	$65,044	$279,547	$13,571

UPGRADE A NON-PROFIT HOUSING CORPORATION