AMERICAN OPPORTUNITY FOR HOUSING INC (EIN 481113427) - 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

1992

Legal Domicile

Principal Officer

DAVID STARR

Phone

2103418097

Tax Period

2024-01-01 to 2024-12-31

AMERICAN OPPORTUNITY FOR HOUSING INC, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $562K in total revenue in fiscal year 2024. Expenses of $5.2M exceeded revenue, resulting in a 821% operating deficit.

Mission

OPERATION OF LOW-INCOME HOUSING APARTMENTS AND DELIVERY OF SOCIAL SERVICES.

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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 $0

Investment Income $562,050

Other Revenue $0

TOTAL REVENUE $562,050

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,176,480

Other Expenses $5,176,480

TOTAL EXPENSES $5,176,480

Year-over-Year Comparison

	2024	2023	Change
Revenue	$562,050	$561,907	+0.0%
Expenses	$5,176,480	$41,321	+124.3%
Net Income	$-4,614,430	$520,586	-9.9%

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

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
CHERRY LYNN ROCHA	SECRETARY	1.00	Officer Director	$0	$0	$0
JAMES H SHIPLEY	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
DAVID STARR	PRESIDENT	5.00	Officer Director	$0	$0	$0
NATASHA WINFIELD	DIRECTOR	1.00	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	$562,050	$5,176,480	$11,901,947	$-4,614,430
2023	$561,907	$41,321	$18,093,136	$520,586
2022	$570,985	$65,968	$16,917,533	$505,017
2021	$2,100,137	$2,751,310	$15,826,358	$-651,173
2020	$647,030	$211,394	$17,416,203	$435,636
2019	$1,901,980	$289,029	$16,536,136	$1,612,951
2018	$752,912	$5,100,622	$16,539,345	$-4,347,710

AMERICAN OPPORTUNITY FOR HOUSING INC