CALVARY TOWERS INC CO HARBOR GROUP INTERNATIONAL (EIN 521274710) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Phone

7576400800

Tax Period

2024-11-01 to 2025-10-31

CALVARY TOWERS INC C/O HARBOR GROUP INTERNATIONAL, founded in 1987, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2017. The organization ran a surplus of $239K, a strong 19% operating margin.

Mission

THE ORGANIZATION OWNS AND OPERATES AN APARTMENT PROJECT UNDER SECTION 202 OF THE NATIONAL HOUSING ACT, FOR THE PURPOSES OF PROVIDING HOUSING FOR ELDERLY AND DISABLED PERSONS POSSESSING LIMITED FINANCIAL RESOURCES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,062,534

Program Service Revenue $325,977

Investment Income $15

Other Revenue $0

TOTAL REVENUE $1,388,526

Expense Breakdown

Grants Paid $0

Salaries & Benefits $206,991

Fundraising Expenses $0

Program Expenses $999,661

Other Expenses $903,278

TOTAL EXPENSES $1,110,269

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,388,526	$1,396,184	0.0%
Expenses	$1,110,269	$1,218,576	-0.1%
Net Income	$278,257	$177,608	+0.6%

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

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
WILLIAM DELK	DIRECTOR	0.50	Director	$0	$0	$0
ELWOOD REED	DIRECTOR	0.50	Director	$0	$0	$0
DOUGLAS M POPE	DIRECTOR	0.50	Director	$0	$0	$0
RENITA BLAND	DIRECTOR	0.50	Director	$0	$0	$0
CALVIN BROWN	DIRECTOR	0.50	Director	$0	$0	$0
COLUMBUS GRANT	PRESIDENT	4.00	Officer Director	$0	$0	$0
SARA CURRY	DIRECTOR	0.50	Officer Director	$0	$0	$0
DIANNE BACON	SECRETARY	0.50	Officer 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
2025	$1,388,526	$1,110,269	$852,071	$278,257
2024	$1,396,184	$1,218,576	$990,656	$177,608
2023	$1,356,722	$1,169,601	$1,100,325	$187,121
2022	$1,383,185	$1,189,735	$1,154,387	$193,450
2021	$1,341,948	$1,193,496	$1,274,468	$148,452
2020	$1,313,768	$1,165,340	$1,395,292	$148,428
2019	$1,303,757	$1,131,404	$1,546,586	$172,353
2018	$1,275,405	$1,036,400	$1,691,149	$239,005

CALVARY TOWERS INC CO HARBOR GROUP INTERNATIONAL