PENNSYLVANIA HOME LENDING COLLABORATIVE INC (EIN 472605170) - 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

2014

Legal Domicile

Principal Officer

STEPHEN GIERINGER

Phone

6103728433

Tax Period

2024-01-01 to 2024-12-31

PENNSYLVANIA HOME LENDING COLLABORATIVE INC, founded in 2014, is a small nonprofit in the Housing & Shelter sector that reported $442K in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum. The organization ran a surplus of $356K, a strong 81% operating margin.

Mission

TO PROMOTE AND FACILITATE FIRST-TIME HOME OWNERSHIP TO QUALIFYING INDIVIDUALS & 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 $432,153

Investment Income $9,530

Other Revenue $0

TOTAL REVENUE $441,683

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,000

Fundraising Expenses $0

Program Expenses $85,917

Other Expenses $75,917

TOTAL EXPENSES $85,917

Year-over-Year Comparison

	2024	2023	Change
Revenue	$441,683	$331,092	+0.3%
Expenses	$85,917	$80,737	+0.1%
Net Income	$355,766	$250,355	+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

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

$171,481

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG BURKLEY	CHAIR	1.00	Officer Director	$0	$0	$0
DOUGLAS RAUCH	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DEBRA WETZEL	TREASURER	1.00	Officer Director	$0	$0	$0
BETH BOWERS ESQ	CORPORATE SECRETARY	1.00	Officer Director	$0	$0	$0
LAURIE GRUBE	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIE ROSARIO	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN T GIERINGER	PRESIDENT AND CEO	1.00	Officer	$0	$25,763	$171,481

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	$441,683	$85,917	$4,197,250	$355,766
2023	$331,092	$80,737	$3,373,901	$250,355
2022	$278,435	$90,109	$3,283,912	$188,326
2021	$151,198	$275,912	$3,298,460	$-124,714
2020	$132,388	$23,750	$2,885,482	$108,638
2019	$115,310	$93,071	$3,062,550	$22,239
2018	$101,592	$67,157	$2,256,273	$34,435

PENNSYLVANIA HOME LENDING COLLABORATIVE INC