CARDINAL HOMES INC (EIN 410986512) - 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

1970

Legal Domicile

Principal Officer

LEON KELLER

Phone

2187399506

Tax Period

2024-10-01 to 2025-09-30

CARDINAL HOMES INC, founded in 1970, is a small nonprofit in the Housing & Shelter sector that reported $679K in total revenue in fiscal year 2024. The organization ran a surplus of $114K, a strong 17% operating margin.

Mission

FURNISHING SUBSIDIZED HOUSING TO LOW INCOME, DISABLED, AND ELDERLY PERSONS.

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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 $658,197

Investment Income $20,998

Other Revenue $0

TOTAL REVENUE $679,195

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $564,776

Other Expenses $564,776

TOTAL EXPENSES $564,776

Year-over-Year Comparison

	2024	2023	Change
Revenue	$679,195	$633,219	+0.1%
Expenses	$564,776	$555,749	+0.0%
Net Income	$114,419	$77,470	+0.5%

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
KEVIN BRENNAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MARK BERTRAM	DIRECTOR	1.00	Director	$0	$0	$0
LEON KELLER	PRESIDENT	1.00	Officer Director	$0	$0	$0
ROBERT PERRY	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
TODD JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN VUKONICH	DIRECTOR	1.00	Director	$0	$0	$0
AMY KELLY	DIRECTOR	1.00	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	$679,195	$564,776	$2,185,930	$114,419
2024	$633,219	$555,749	$2,167,102	$77,470
2023	$542,567	$514,790	$2,124,166	$27,777
2022	$509,632	$531,455	$2,135,533	$-21,823
2020	$488,403	$442,249	$2,341,572	$46,154
2019	$474,301	$453,854	$2,349,277	$20,447

CARDINAL HOMES INC