CHWC INC

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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

1981

Legal Domicile

Principal Officer

BRENNAN CRAWFORD

Phone

9133427580

Tax Period

2023-01-01 to 2023-12-31

CHWC INC, founded in 1981, is a community nonprofit in the Housing & Shelter sector that reported $2.9M in total revenue in fiscal year 2023.

Mission

CHWC STABILIZES, REVITALIZES, AND REINVESTS IN COMMUNITIES THROUGH IMPROVED HOUSING AND OTHER RELATED DEVELOPMENTS. ACTIVITIES INCLUDE LENDING, HOUSING & COMMERCIAL DEVELOPMENT, REAL ESTATE SALES, HOMEBUYER EDUCATION PROGRAMS, & COMMUNITY ORGANIZING & SAFETY EFFORTS.

Program Service Accomplishments

Program 1

Expenses: $1,107,216 Revenue: $411,089

HOUSING AND REAL ESTATE DEVELOPMENT:WE BUILD AND RENOVATE HIGH QUALITY HOMES TO REVITALIZE NEIGHBORHOODS, INCREASE INVESTMENT IN OUR COMMUNITY'S VITAL INFRASTRUCTURE, AND CREATE LASTING ASSETS FOR...

HOUSING AND REAL ESTATE DEVELOPMENT:WE BUILD AND RENOVATE HIGH QUALITY HOMES TO REVITALIZE NEIGHBORHOODS, INCREASE INVESTMENT IN OUR COMMUNITY'S VITAL INFRASTRUCTURE, AND CREATE LASTING ASSETS FOR FAMILIES. CHWC OFFERS AFFORDABLE NEW AND RENOVATED HOMES FOR SALE OR RENT. DURING 2023, CHWC CONTINUED REAL ESTATE DEVELOPMENT ACTIVITY ON OVER 60 LOTS, COMPLETED SEVEN (7) NEW HOMES, AND SOLD EIGHT (8) HOMES TO PROVIDE AFFORDABLE HOME OWNERSHIP FOR AREA FAMILIES.

Program 2

Expenses: $974,055 Revenue: $11,265

HOMEOWNERSHIP PROMOTION AND PRESERVATION:WE ENABLE FAMILIES TO ACHIEVE, PRESERVE, AND SUSTAIN THEIR DREAM OF HOMEOWNERSHIP BY OFFERING FREE AND LOW-COST HOUSING COUNSELING, FINANCIAL EDUCATION, AND PURCHASE ASSISTANCE TO HOMEOWNERS IN WYANDOTTE COUNTY. DURING 2023, 295 CUSTOMERS WERE COUNSELED AND/OR EDUCATED AND 130 FAMILIES ACHIEVED OR SUSTAINED HOMEOWNERSHIP. CHWC PROVIDES LOANS TO HOMEOWNERS IN THE FORM OF FIRST MORTGAGES, SECOND MORTGAGES, OWNER-OCCUPIED REHAB LOANS, AND DEFERRED MORTGAGES. DURING 2023, CHWC PROVIDED ONGOING LOAN SERVICING TO OVER 30 HOMEOWNERS AND PROVIDED DOWN-PAYMENT ASSISTANCE TO 23 NEW HOMEOWNERS. MINOR HOME REPAIR ASSISTANCE GRANTS WERE PROVIDED TO 24 AREA HOMEOWNERS.

Program 3

Expenses: $422,840 Revenue: $64,374

COMMUNITY BUILDING AND ENGAGEMENT:WE WORK TO IMPROVE THE QUALITY OF LIFE AND BUILD A SENSE OF COMMUNITY FOR RESIDENTS THROUGH THE CREATION AND SUPPORT OF COMMUNITY AMENITIES. CHWC ESTABLISHED THE...

COMMUNITY BUILDING AND ENGAGEMENT:WE WORK TO IMPROVE THE QUALITY OF LIFE AND BUILD A SENSE OF COMMUNITY FOR RESIDENTS THROUGH THE CREATION AND SUPPORT OF COMMUNITY AMENITIES. CHWC ESTABLISHED THE EPIC CLAY STUDIO TO PROVIDE OPPORTUNITIES FOR PEOPLE TO LEARN, ENJOY, AND SHARE IN THE ARTS. CHWC HAS ALSO PARTNERED WITH THE LOCAL GOVERNMENT AND COMMUNITY ORGANIZATIONS TO BUILD LOCAL PARKS, GARDENS, AND GREENSPACES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,416,000

Program Service Revenue $574,048

Investment Income $12,985

Other Revenue $-87,320

TOTAL REVENUE $2,915,713

Expense Breakdown

Grants Paid $573,577

Salaries & Benefits $1,261,275

Fundraising Expenses $132,787

Program Expenses $2,504,111

Other Expenses $1,224,106

TOTAL EXPENSES $3,081,939

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,915,713	$2,959,722	0.0%
Expenses	$3,081,939	$2,384,000	+0.3%
Net Income	$-166,226	$575,722	-1.3%

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

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

$202,714

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA OLIVAS	CHAIR	2.00	Officer Director	$0	$0	$0
JACKIE LOYA-TORRES	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ALAYNA CHIPMAN	SECRETARY	2.00	Officer Director	$0	$0	$0
JOE KELLER	TREASURER	2.00	Officer Director	$0	$0	$0
JEREMY ASH	DIRECTOR (TERM START 12/2023)	1.00	Director	$0	$0	$0
SISTER THERESE BANGERT	DIRECTOR	1.00	Director	$0	$0	$0
MARY COLLINS	DIRECTOR	1.00	Director	$0	$0	$0
SAM LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
FATHER MARK MERTES	DIRECTOR	1.00	Director	$0	$0	$0
TIM QUIGLEY	DIRECTOR	1.00	Director	$0	$0	$0
JIM SCHRAEDER	DIRECTOR	1.00	Director	$0	$0	$0
BEN MCANANY	PAST CHAIR (TERM END 12/2023)	2.00	Director	$0	$0	$0
RJ GILDEA	PAST TREASURER (TERM END 12/2023)	2.00	Director	$0	$0	$0
BRENNAN CRAWFORD	EXECUTIVE DIRECTOR/CEO	40.00	Officer	$113,169	$10,080	$123,249
SARA FITTS	DIRECTOR OF FINANCE	40.00	Officer	$77,064	$2,401	$79,465

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	No data	No data	No data	No data
2023	$2,915,713	$3,081,939	$14,607,661	$-166,226
2022	$2,959,722	$2,384,000	$9,277,552	$575,722
2021	$1,323,048	$695,367	$3,102,238	$627,681
2020	$1,607,675	$610,423	$2,393,802	$997,252
2019	$2,106,219	$1,497,024	$6,421,455	$609,195
2018	$1,529,257	$1,510,669	$6,431,320	$18,588