COMMUNITY HOME LENDERS ASSOCIATION INC (EIN 461204856) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2012

Legal Domicile

Principal Officer

Scott Olson

Phone

7034757365

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY HOME LENDERS ASSOCIATION INC, founded in 2012, is a small nonprofit in the Community Improvement sector that reported $219K in total revenue in fiscal year 2020. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $34K, a strong 15% operating margin.

Mission

To represent and advocate for the policy interests of independent mortgage banks

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $563,650

Program Service Revenue $0

Investment Income $10,437

Other Revenue $0

TOTAL REVENUE $574,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $545,139

TOTAL EXPENSES $545,139

Year-over-Year Comparison

	2025	2024	Change
Revenue	$574,087	$434,387	+0.3%
Expenses	$545,139	$414,215	+0.3%
Net Income	$28,948	$20,172	+0.4%

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
Taylor Stork	President and Director	1.00	Officer Director	$0	$0	$0
Paulina McGrath	Vice President and Director	1.00	Officer Director	$0	$0	$0
Deborah Sturges	Treasurer, Secretary, and Director	1.00	Officer Director	$0	$0	$0
Eric Wilson	Director	1.00	Director	$0	$0	$0
Marc Shenkman	Director	1.00	Director	$0	$0	$0
Kelly Welch	Director	1.00	Director	$0	$0	$0
Lee Gross	Director	1.00	Director	$0	$0	$0
Kim Curtis	Director	1.00	Director	$0	$0	$0
Amanda Tucker	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	$574,087	$545,139	$288,716	$28,948
2024	$469,109	$485,788	$256,768	$-16,679
2023	$434,387	$414,215	$276,447	$20,172
2022	$375,241	$267,319	$284,282	$107,922
2021	$252,500	$170,864	$157,652	$81,636
2020	$219,000	$185,297	$70,517	$33,703

COMMUNITY HOME LENDERS ASSOCIATION INC