WESTERN NEBRASKA HOUSING OPPORTUNIT (EIN 371464286) - 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

2003

Legal Domicile

Principal Officer

CINDA MUNOZ

Phone

3086312833

Tax Period

2024-07-01 to 2025-06-30

WESTERN NEBRASKA HOUSING OPPORTUNIT, founded in 2003, is a small nonprofit in the Housing & Shelter sector that reported $244K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring. Net assets of $3.7M represent 184 months of operating reserves.

Mission

COORDINATE AND PARTICIPATE IN FOSTERING, PROMOTING, ENCOURAGING, DEVELOPING, AND ASSISTING WITH AFFORDABLE HOUSING AND ECONOMIC DEVELOPMENT IN SCOTTS BLUFF COUNTY NEBRASKA AND SURROUNDING AREAS.

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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 $0

Program Service Revenue $211,487

Investment Income $13,390

Other Revenue $19,558

TOTAL REVENUE $244,435

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $242,095

Other Expenses $242,095

TOTAL EXPENSES $242,095

Year-over-Year Comparison

	2024	2023	Change
Revenue	$244,435	$323,001	-0.2%
Expenses	$242,095	$185,878	+0.3%
Net Income	$2,340	$137,123	-1.0%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLI HOUCHIN	SECRETARY/TR	N/A	Officer Director	$0	$0	$0
DEB HUDSON	BOARD VICE P	N/A	Officer Director	$0	$0	$0
TAMARA MORRIS	BOARD MEMBER	N/A	Director	$0	$0	$0
CINDA MUNOZ	BOARD PRESID	N/A	Officer Director	$0	$0	$0
RAWNDA PIERCE	BOARD MEMBER	N/A	Director	$0	$0	$0
ELISA ROSEBOROUGH	BOARD MEMBER	N/A	Director	$0	$0	$0
NESTOR SANCHEZ	BOARD MEMBER	N/A	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	$244,435	$242,095	$3,767,623	$2,340
2024	No data	No data	No data	No data
2022	$816,597	$351,836	$3,545,571	$464,761
2021	$522,191	$367,455	$3,090,247	$154,736
2020	$774,408	$194,944	$2,922,166	$579,464
2019	$581,562	$181,588	$2,343,738	$399,974
2018	$179,951	$187,473	$1,942,971	$-7,522

WESTERN NEBRASKA HOUSING OPPORTUNIT