ISABELLA COUNTY NON-PROFIT HOUSING CORPORATION (EIN 382860885) - 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

1989

Legal Domicile

Principal Officer

AMY POWELL

Phone

3138237700

Tax Period

2024-10-01 to 2025-09-30

ISABELLA COUNTY NON-PROFIT HOUSING CORPORATION, founded in 1989, is a small nonprofit in the Housing & Shelter sector that reported $321K in total revenue in fiscal year 2024. The organization ran a surplus of $58K, a strong 18% operating margin.

Mission

TO PROVIDE ELDERLY AND/OR HANDICAPPED PERSONS WITH HOUSING FACILITIES AND SPECIAL SERVICES.

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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 $37,404

Program Service Revenue $282,276

Investment Income $961

Other Revenue $0

TOTAL REVENUE $320,641

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,729

Fundraising Expenses $0

Program Expenses $125,550

Other Expenses $199,677

TOTAL EXPENSES $262,406

Year-over-Year Comparison

	2024	2023	Change
Revenue	$320,641	$314,431	+0.0%
Expenses	$262,406	$238,644	+0.1%
Net Income	$58,235	$75,787	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL BORDERS	DIRECTOR	0.10	Director	$0	$0	$0
CHUCK MCCOLLOM	DIRECTOR	0.10	Director	$0	$0	$0
ERIKA MOSS	SECRETARY	0.10	Officer Director	$0	$0	$0
PAUL KRUSKA	TREASURER	0.10	Officer Director	$0	$0	$0
TIFFANY SLOAN-GROCHOLSKI	VICE PRESIDENT	0.10	Officer Director	$0	$0	$0
AMY POWELL	PRESIDENT	0.10	Officer Director	$0	$0	$0
BRIDGETTE ZAPPACOSTA	DIRECTOR OF FINANCE	1.00	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
2025	$320,641	$262,406	$1,131,159	$58,235
2024	$314,431	$238,644	$691,219	$75,787
2023	$298,293	$250,914	$354,620	$47,379
2022	$286,219	$262,541	$313,287	$23,678
2021	$269,762	$290,626	$316,395	$-20,864
2020	$294,939	$271,784	$353,102	$23,155
2019	$287,372	$291,392	$372,960	$-4,020
2018	$257,595	$252,218	$374,078	$5,377

ISABELLA COUNTY NON-PROFIT HOUSING CORPORATION