UPPER SHORE AGING HOUSING CORP (EIN 521119484) - 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

1977

Legal Domicile

Principal Officer

GARY GUNTHER

Phone

1407786000

Tax Period

2023-10-01 to 2024-09-30

UPPER SHORE AGING HOUSING CORP, founded in 1977, is a community nonprofit in the Housing & Shelter sector that reported $1.9M in total revenue in fiscal year 2023. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $1.7M left a modest 8% surplus.

Mission

To identify elderly individuals who are living in substandard housing in the community. This includes excessive rent costs utilities lack of adequate heating and cooling poor insulation ventilation or overcrowding.

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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 $1,232,893

Program Service Revenue $622,998

Investment Income $7,342

Other Revenue $0

TOTAL REVENUE $1,863,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $574,064

Fundraising Expenses $0

Program Expenses $1,537,206

Other Expenses $1,138,829

TOTAL EXPENSES $1,712,893

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,863,233	$3,285,338	-0.4%
Expenses	$1,712,893	$1,852,124	-0.1%
Net Income	$150,340	$1,433,214	-0.9%

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

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

$99,399

Total Directors

$99,399

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lou Howeth	President	1.00	Officer Director	$0	$0	$0
William Sutton	Vice President	1.00	Officer Director	$0	$0	$0
Charles Kinnamon	Treasurer	1.00	Officer Director	$0	$0	$0
Irving Pinder	Director	1.00	Director	$0	$0	$0
Wendy Dyott	Director	1.00	Director	$0	$0	$0
Andy Hollis	Director	1.00	Director	$0	$0	$0
Gary Gunther	Secretary	40.00	Officer Director	$79,099	$20,300	$99,399

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	$1,863,233	$1,712,893	$6,690,012	$150,340
2023	$3,285,338	$1,852,124	$9,962,638	$1,433,214
2021	$1,710,648	$1,135,224	$6,988,165	$575,424
2020	$1,173,658	$1,352,586	$6,644,827	$-178,928
2019	$824,993	$1,494,128	$643,677	$-669,135
2018	$1,292,431	$1,061,049	$1,983,060	$231,382

UPPER SHORE AGING HOUSING CORP