AMERICAN HOUSING FOUNDATION I INC (EIN 521379732) - 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

1989

Legal Domicile

Principal Officer

CLINT BANKS

Phone

7702890567

Tax Period

2025-01-01 to 2025-12-31

AMERICAN HOUSING FOUNDATION I INC, founded in 1989, is a micro nonprofit in the Religion sector that reported $71K in total revenue in fiscal year 2025. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $300K exceeded revenue, resulting in a 326% operating deficit.

Mission

THE ENTITYS EXEMPT PURPOSE IS TO SUPPORT BREAK OUT INC., A RELATED 501(C)3 ORGANIZATION WHOSE MISSION IS TO ESTABLISH AND MAINTAIN BIBLE EDUCATION COURSES AND CHARTER BUILDING COURSES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $70,513

Other Revenue $0

TOTAL REVENUE $70,513

Expense Breakdown

Grants Paid $0

Salaries & Benefits $270,782

Fundraising Expenses $0

Program Expenses $25,400

Other Expenses $29,439

TOTAL EXPENSES $300,221

Year-over-Year Comparison

	2025	2024	Change
Revenue	$70,513	$92,457	-0.2%
Expenses	$300,221	$341,803	-0.1%
Net Income	$-229,708	$-249,346	-0.1%

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

$223,040

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL CHKOREFF	DR/PRESIDENT	15.00	Officer	$223,040	$0	$223,040
ELMER AKIN	DIRECTOR/COO	1.00	Officer Director	$0	$0	$0
CLINT BANKS	DR/VICE PRES	1.00	Officer Director	$0	$0	$0
CYNTHIA QUINONES	DR/BOARD MEM	1.00	Director	$0	$0	$0
PAUL SMITH	DR/TREASURER	1.00	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	$70,513	$300,221	$1,923,960	$-229,708
2024	$92,457	$341,803	$2,153,668	$-249,346
2023	$77,239	$325,345	$2,403,014	$-248,106
2019	$241,198	$338,256	$3,328,628	$-97,058
2018	$20,678	$395,034	$3,425,686	$-374,356

AMERICAN HOUSING FOUNDATION I INC