CALU INC (EIN 421201688) - 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

1982

Legal Domicile

Principal Officer

DENNIS HAMMEL

Phone

5639423330

Tax Period

2023-07-01 to 2024-06-30

CALU INC, founded in 1982, is a small nonprofit that reported $346K in total revenue in fiscal year 2023. The organization ran a surplus of $53K, a strong 15% operating margin.

Mission

OPERATION OF LOW 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $345,174

Investment Income $114

Other Revenue $535

TOTAL REVENUE $345,823

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,155

Fundraising Expenses $0

Program Expenses $246,645

Other Expenses $274,690

TOTAL EXPENSES $292,845

Year-over-Year Comparison

	2023	2022	Change
Revenue	$345,823	$344,383	+0.0%
Expenses	$292,845	$310,903	-0.1%
Net Income	$52,978	$33,480	+0.6%

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
DENNIS HAMMEL	PRESIDENT	1.00	Officer Director	$0	$0	$0
MELVIN DIEHL	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
DALE SUE GLASS	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
NORMA BOGNER	DIRECTOR	1.00	Director	$0	$0	$0
DWIGHT DIERS	DIRECTOR	1.00	Director	$0	$0	$0
TERESE CUMMINSKY	DIRECTOR	1.00	Director	$0	$0	$0
MARILYN KANE	DIRECTOR	1.00	Director	$0	$0	$0
CLAUDIA WORLEY	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	No data	No data	No data	No data
2024	$345,823	$292,845	$587,450	$52,978
2023	$344,383	$310,903	$687,660	$33,480
2022	$352,494	$272,955	$692,683	$79,539
2021	$340,331	$228,665	$802,886	$111,666
2020	$327,056	$259,971	$762,245	$67,085
2019	$327,461	$264,030	$760,478	$63,431

CALU INC