NORTH CENTRAL MO RURAL HOUSING DEVE

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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

1994

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

NORTH CENTRAL MO RURAL HOUSING DEVE, founded in 1994, is a micro nonprofit that reported $56 in total revenue in fiscal year 2021. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $1K exceeded revenue, resulting in a 2400% operating deficit.

Mission

TO PROVIDE LOW INTEREST LOANS TO QUALIFIED BORROWERS AS LENDER OF LAST RESORT, FUNDED SMALL BUSINESSES AND HOME CONSTRUCTION TO HELP ECONOMICALLY DEPRESSED AREA.

Program Service Accomplishments

Program 1

PROVIDE LOW INTEREST LOANS TO QUALIFIED BORROWERS AS LENDER OF LAST RESORT, FUNDED SMALL BUSINESSES AND HOME CONSTRUCTION TO HELP ECONOMICALLY DEPRESSED AREA.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $56

Other Revenue $0

TOTAL REVENUE $56

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,400

TOTAL EXPENSES $1,400

Year-over-Year Comparison

	2021	2020	Change
Revenue	$56	$3,611	-1.0%
Expenses	$1,400	$9,554	-0.9%
Net Income	$-1,344	$-5,943	-0.8%

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
JAMES RHOADS	DIRECTOR	0.00	Director	$0	$0	$0
RANDY GRISWOLD	DIRECTOR	0.00	Director	$0	$0	$0
RICK BENNETT	DIRECTOR	0.00	Director	$0	$0	$0
RONALD SMITH	DIRECTOR	0.00	Director	$0	$0	$0
LARRY STEPHENSON	DIRECTOR	0.00	Director	$0	$0	$0
NEIL GEYER	SECRETARY	0.00	Officer Director	$0	$0	$0
ROGER CASADY	TREASURER	0.00	Officer Director	$0	$0	$0
LOWELL TUCKER	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
MELVIN SCOTT	PRESIDENT	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
2021	$56	$1,400	No data	$-1,344
2020	$3,611	$9,554	$26,577	$-5,943
2019	$8,197	$6,233	$299,074	$1,964
2018	$6,567	$6,512	$342,356	$55