USA Homeownership Foundation Inc (EIN 452458485) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2011

Legal Domicile

Principal Officer

Son Nguyen

Phone

9518700369

Tax Period

2025-01-01 to 2025-12-31

USA Homeownership Foundation Inc, founded in 2011, is a community nonprofit in the Human Services sector that reported $4.5M in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year. Expenses of $5.6M exceeded revenue, resulting in a 23% operating deficit.

Mission

To improve the lives of service members and veterans through education, housing, and philanthropy.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $2,646,653

Program Service Revenue $2,129,939

Investment Income $0

Other Revenue $-249,066

TOTAL REVENUE $4,527,526

Expense Breakdown

Grants Paid $974,273

Salaries & Benefits $932,935

Fundraising Expenses $215,969

Program Expenses $4,471,019

Other Expenses $3,657,001

TOTAL EXPENSES $5,564,209

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,527,526	$5,472,779	-0.2%
Expenses	$5,564,209	$6,045,043	-0.1%
Net Income	$-1,036,683	$-572,264	+0.8%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

300

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

$29,165

Total Directors

$51,565

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Carla Lemon	Secretary	40.00	Officer Director	$29,165	$0	$29,165
Christine Olfus	Director	1.00	Director	$22,400	$0	$22,400
Son Nguyen	President	40.00	Officer Director	$0	$0	$0
Sandy Heath	Treasurer	1.00	Director	$0	$0	$0
Pat Diomede	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	$4,527,526	$5,564,209	$1,732,279	$-1,036,683
2024	$5,472,779	$6,045,043	$2,784,543	$-572,264
2023	$5,837,779	$6,821,958	$2,485,990	$-984,179
2022	$5,441,843	$6,491,853	$3,434,411	$-1,050,010
2021	$6,569,969	$6,540,767	$4,985,675	$29,202
2020	$7,804,613	$7,075,904	$5,035,136	$728,709
2019	$6,255,423	$7,878,550	$4,966,513	$-1,623,127
2018	$8,681,051	$8,932,213	$5,651,646	$-251,162

USA Homeownership Foundation Inc