CARROLL COUNTY HOUSING DEVELOPMENT

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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

1981

Legal Domicile

Principal Officer

ANGEE GERMANN

Phone

6603291205

Tax Period

2025-01-01 to 2025-12-31

CARROLL COUNTY HOUSING DEVELOPMENT, founded in 1981, is a small nonprofit that reported $171K in total revenue in fiscal year 2025. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $277K exceeded revenue, resulting in a 62% operating deficit.

Mission

TO PROVIDE SENIOR CITIZENS LOW INCOME HOUSING

Program Service Accomplishments

Program 1

Expenses: $247,800 Revenue: $165,350

TO PROVIDE SENIOR CITIZENS 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $165,350

Investment Income $2,361

Other Revenue $2,846

TOTAL REVENUE $170,557

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,107

Fundraising Expenses $0

Program Expenses $247,800

Other Expenses $258,745

TOTAL EXPENSES $276,852

Year-over-Year Comparison

	2025	2024	Change
Revenue	$170,557	$260,025	-0.3%
Expenses	$276,852	$133,315	+1.1%
Net Income	$-106,295	$126,710	-1.8%

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

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
SCOTT BARTLETT	BOARD MEMBER	1.00	Director	$0	$0	$0
ANGEE GERMANN	PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL KOCH	BOARD MEMBER	1.00	Director	$0	$0	$0
PATSI MILLER	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES PAUL	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
PAT POTTER	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE RICE	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN STEWART	BOARD MEMBER	1.00	Director	$0	$0	$0
WANDA WILSON	SECRETARY/TR	1.00	Officer 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	$170,557	$276,852	$2,240,011	$-106,295
2024	No data	No data	No data	No data
2023	$112,793	$121,742	$1,985,966	$-8,949
2022	$273,898	$114,847	$951,631	$159,051
2021	$117,016	$135,825	$558,242	$-18,809
2020	$437,516	$117,296	$584,273	$320,220