Capistrano Terrace Organization Inc (EIN 464814484) - Form 990 Financial Analysis & Trantor Score

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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

Sally Rather

Phone

9498423361

Tax Period

2024-01-01 to 2024-12-31

Capistrano Terrace Organization Inc, founded in 2013, is a community nonprofit in the Housing & Shelter sector that reported $1.6M in total revenue in fiscal year 2024. The organization ran a surplus of $606K, a strong 37% operating margin.

Mission

Capistrano Terrance Organization, Inc. ("CTO") provides affordable housing to low and moderate income individuals and families.

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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 $1,556,708

Investment Income $63,857

Other Revenue $0

TOTAL REVENUE $1,620,565

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $933,283

Other Expenses $1,014,333

TOTAL EXPENSES $1,014,333

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,620,565	N/A	N/A
Expenses	$1,014,333	N/A	N/A
Net Income	$606,232	$0	N/A

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

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
Sally Rather	President	25	Officer Director	$0	$0	$0
Marisol Meza	Director & Vice-President	2	Officer Director	$0	$0	$0
Tamara Childers	Director & Secretary	15	Officer Director	$0	$0	$0
Mike Kelly	Director	2	Director	$0	$0	$0
Dan Johnson	Director	2	Director	$0	$0	$0
Tony Zamarippa	Director	2	Director	$0	$0	$0
Natalie Kuester	Director	2	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
2024	$1,620,565	$1,014,333	$11,674,708	$606,232
2023	$1,590,420	$1,005,567	$11,665,329	$584,853
2022	$1,526,494	$871,400	$10,867,315	$655,094
2021	$1,523,852	$1,185,110	$10,786,570	$338,742
2020	$1,506,422	$1,307,554	$10,518,593	$198,868
2019	$1,481,528	$1,324,936	$10,324,424	$156,592
2018	$1,117,530	$840,323	$10,131,920	$277,207

Capistrano Terrace Organization Inc