NORTH VALLEY HOUSING TRUST

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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

2015

Legal Domicile

Phone

5305183526

Tax Period

2024-07-01 to 2025-06-30

NORTH VALLEY HOUSING TRUST, founded in 2015, is a micro nonprofit in the Housing & Shelter sector that reported $82K in total revenue in fiscal year 2024. The organization ran a surplus of $73K, a strong 88% operating margin.

Mission

FACILITATE AFFORDABLE HOUSING FOR LOW INCOME FAMILIES

Program Service Accomplishments

Program 1

Expenses: $4,936 Revenue: $75,000

ONE MAJOR ACCOMPLISHMENT WAS THE CONSTRUCTION OF AN AFFORDABLE HOUSE USING THE ABOVE GRANT FOR THE BENEFIT OF BOTH A NON-PROFIT HOUSING DEVELOPER (TINY PINE FOUNDATION) WHO BUILT THE HOUSE AND A...

ONE MAJOR ACCOMPLISHMENT WAS THE CONSTRUCTION OF AN AFFORDABLE HOUSE USING THE ABOVE GRANT FOR THE BENEFIT OF BOTH A NON-PROFIT HOUSING DEVELOPER (TINY PINE FOUNDATION) WHO BUILT THE HOUSE AND A BELOW 80% AMI INDIVIDUAL WHO TOOK OCCUPANCY OF THE HOME.

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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 $81,950

Program Service Revenue $0

Investment Income $321

Other Revenue $0

TOTAL REVENUE $82,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,936

Other Expenses $9,646

TOTAL EXPENSES $9,646

Year-over-Year Comparison

	2024	2023	Change
Revenue	$82,271	$82,134	+0.0%
Expenses	$9,646	$12,145	-0.2%
Net Income	$72,625	$69,989	+0.0%

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

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	Role	Reportable Comp	Other Comp	Total
NANCY EVENS	MEMBER	Officer	$0	$0	$0
CAROLYN NAVA	SECRETARY	Officer	$0	$0	$0
CHRISTOPHER ROBINS	CHIEF FINANCIAL OFFICER	Officer	$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	$82,271	$9,646	$904,693	$72,625
2024	$82,134	$12,145	$834,118	$69,989
2023	No data	$24,148	$564,588	No data
2022	$21,393	$56,074	$589,603	$-34,681
2021	$126,215	$56,528	$620,486	$69,687
2020	$265,020	$53,042	$550,799	$211,978