CENTRAL ALABAMA HOUSING ALLIANCE

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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

2013

Legal Domicile

Principal Officer

CHARLES T MOORE

Phone

2057801234

Tax Period

2024-07-01 to 2025-06-30

CENTRAL ALABAMA HOUSING ALLIANCE, founded in 2013, is a micro nonprofit in the Housing & Shelter sector that reported $59K in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $90K exceeded revenue, resulting in a 52% operating deficit.

Mission

CENTRAL ALABAMA HOUSING ALLIANCE (CAHA) WAS FORMED TO ENGAGE IN ACTIVITIES TO PROVIDE QUALITY, SAFE, AFFORDABLE HOUSING TO LOW- AND MODERATE-INCOME INDIVIDUALS AND FAMILIES WITHIN JEFFERSON, SHELBY, ST. CLAIR AND WALKER COUNTIES OF THE STATE OF ALABAMA WHO LACK THE FINANCIAL AND OTHER RESOURCES NECESSARY TO OBTAIN SUCH HOUSING WITHOUT ASSISTANCE PROVIDED BY CAHA.

Program Service Accomplishments

Program 1

Expenses: $90,136 Revenue: $10,085

HOMES THAT WERE UNDER CONSTRUCTION DURING THE PREVIOUS YEAR WERE TRANSFERRED TO GREATER BIRMINGHAM HABITAT FOR HUMANITY, INC. TO COMPLETE THE CONSTRUCTION AND SALE OF HOMES. CAHA ANTICIPATES THE...

HOMES THAT WERE UNDER CONSTRUCTION DURING THE PREVIOUS YEAR WERE TRANSFERRED TO GREATER BIRMINGHAM HABITAT FOR HUMANITY, INC. TO COMPLETE THE CONSTRUCTION AND SALE OF HOMES. CAHA ANTICIPATES THE CONSTRUCTION AND SALE OF HOMES IN THE UPCOMING FISCAL YEARS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,085

Investment Income $49,316

Other Revenue $0

TOTAL REVENUE $59,401

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,220

Fundraising Expenses $0

Program Expenses $90,136

Other Expenses $72,916

TOTAL EXPENSES $90,136

Year-over-Year Comparison

	2024	2023	Change
Revenue	$59,401	$133,836	-0.6%
Expenses	$90,136	$182,987	-0.5%
Net Income	$-30,735	$-49,151	-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

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

$301,589

Total Directors

$352,173

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES T MOORE	PRESIDENT	4.00	Officer Director	$0	$24,508	$207,508
ERNESTINE SMILEY	BOARD MEMBER	4.00	Director	$0	$2,844	$50,584
ANDREW BONNER	SECRETARY	4.00	Officer Director	$0	$5,842	$94,081

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	$59,401	$90,136	$1,335,888	$-30,735
2024	$133,836	$182,987	$1,719,690	$-49,151
2023	$598,748	$785,070	$1,486,330	$-186,322
2022	$-51,529	$17,032	$1,550,862	$-68,561
2021	$588,051	$18,288	$1,347,546	$569,763
2020	$263,319	$17,735	$272,532	$245,584