Housing & Financial Educators

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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

2014

Legal Domicile

Principal Officer

Pasquale Mantranga

Tax Period

2018-01-01 to 2018-12-31

Housing & Financial Educators, founded in 2014, is a small nonprofit that reported $443K in total revenue in fiscal year 2018.

Mission

Provide housing and financial education to those who are losing their homes.

Program Service Accomplishments

Program 1

Provide housing and financial education to those who are losing their homes.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $442,582

Investment Income $0

Other Revenue $0

TOTAL REVENUE $442,582

Expense Breakdown

Grants Paid $0

Salaries & Benefits $194,846

Fundraising Expenses $0

Other Expenses $255,738

TOTAL EXPENSES $450,584

Year-over-Year Comparison

	2018	2017	Change
Revenue	$442,582	N/A	N/A
Expenses	$450,584	N/A	N/A
Net Income	$-8,002	N/A	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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pasquale Mantranga	President	60.00	Officer	$0	$0	$0
Tiffany M Burns	Vice President	20.00	Officer	$0	$0	$0
Dustin Worthen	Secretary	5.00	Officer	$0	$0	$0
Spencer Hatt	Executive Secretary	20.00	Officer	$0	$0	$0
Michael K Erwood	Employee	20.00	Key Emp	$0	$0	$0
Steven R Greer	Employee	20.00	Key Emp	$0	$0	$0
Michelle Torress	Employee	40.00	Key Emp	$0	$0	$0
Sandra Bennett	Employee	10.00	Key Emp	$0	$0	$0
Whitney Johnson	Sub-Contractor	10.00	Key Emp	$0	$0	$0
Roger Piekarsk	Sub-Contractor	20.00	Key Emp	$0	$0	$0
John Cassias	Sub-Contractor	20.00	Key Emp	$0	$0	$0
Laurie Rineer	Sub-Contractor	20.00	Key Emp	$0	$0	$0
Elizabeth Fernandez	Employee	0.00	Key Emp	$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
2018	$442,582	$450,584	$5,044	$-8,002