NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS (EIN 521677752) - 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

1991

Legal Domicile

Principal Officer

SARAH BRUNDAGE

Phone

2022939850

Tax Period

2023-01-01 to 2023-12-31

NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS, founded in 1991, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

TO INCREASE PRIVATE CAPITAL LOANS AND INVESTMENTS IN LOW AND MODERATE INCOME COMMUNITIES.

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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 $0

Program Service Revenue $1,483,247

Investment Income $67,256

Other Revenue $0

TOTAL REVENUE $1,550,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $869,943

Fundraising Expenses $0

Other Expenses $696,945

TOTAL EXPENSES $1,566,888

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,550,503	$1,418,018	+0.1%
Expenses	$1,566,888	$1,342,451	+0.2%
Net Income	$-16,385	$75,567	-1.2%

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

$538,360

Total Directors

$538,360

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENSON F ROBERTS	PRESIDENT AND CEO	35.00	Officer Director	$456,000	$82,360	$538,360
CHERRI SINCLAIR	COMMUNICATIONS DIRECTOR	30.00	Highest	$137,984	$27,403	$165,387
SARA SPOFFORD	OPERATIONS DIRECTOR	35.00	Highest	$120,532	$50,091	$170,623
MERILYN ROVIRA	CHAIR	2.00	Officer Director	$0	$0	$0
WENDY TAKAHISA	FIRST VICE CHAIR	1.00	Officer Director	$0	$0	$0
DAN NISSENBAUM	SECOND VICE CHAIR	1.00	Officer Director	$0	$0	$0
DOUG SCHAEFFER	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL MARTINEZ	ASSISTANT TREASURER	1.00	Officer Director	$0	$0	$0
NIKKI HOLSOPPLE	SECRETARY	1.00	Officer Director	$0	$0	$0
JAN BERGESON	DIRECTOR	1.00	Director	$0	$0	$0
YVONNE BLUMENTHAL	DIRECTOR (OUTGOING 2023)	1.00	Director	$0	$0	$0
STUART BOESKY	DIRECTOR	1.00	Director	$0	$0	$0
LLOYD BROWN II	DIRECTOR	1.00	Director	$0	$0	$0
ERIN BURNS-MAINE	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE CAWTHON	DIRECTOR	1.00	Director	$0	$0	$0
MARK CURTISS	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER ERNST	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM FENTON	DIRECTOR	1.00	Director	$0	$0	$0
JADA GRANDY-MOCK	DIRECTOR	1.00	Director	$0	$0	$0
LISA GUTIERREZ	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
JONATHAN HARWITZ	DIRECTOR	1.00	Director	$0	$0	$0
JOY HOFFMANN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW JAKABOVICS	DIRECTOR	1.00	Director	$0	$0	$0
CARL JENKINS	DIRECTOR	1.00	Director	$0	$0	$0
MATT JOSEPHS	DIRECTOR (OUTGOING 2023)	1.00	Director	$0	$0	$0
DEBORAH KASEMEYER	DIRECTOR (OUTGOING 2023)	1.00	Director	$0	$0	$0
BEATRICE KELLY	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT LIKES	DIRECTOR (OUTGOING 2023)	1.00	Director	$0	$0	$0
JAMES MATTHEWS	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA MCDONALD	DIRECTOR	1.00	Director	$0	$0	$0
STEVE NIELSEN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN OLSON	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH OTT	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
TIA PATTERSON	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
MATT REILEIN	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
JOE REILLY	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
CRAIG ROBINSON	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
SHANNON ROSS	DIRECTOR	1.00	Director	$0	$0	$0
BOBBIE SALGADO	DIRECTOR	1.00	Director	$0	$0	$0
CELIA SMOOT	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
MODDIE TURAY	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER VASILOFF	DIRECTOR (OUTGOING 2023)	1.00	Director	$0	$0	$0
ANTHONY WEEKLY	DIRECTOR	1.00	Director	$0	$0	$0
DAFINA WILLIAMS	DIRECTOR (INCOMING 2023)	1.00	Director	$0	$0	$0
STACIE YOUNG	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	No data	No data	No data	No data
2023	$1,550,503	$1,566,888	$2,805,935	$-16,385
2022	$1,418,018	$1,342,451	$3,133,686	$75,567
2021	$1,286,795	$1,069,126	$2,812,114	$217,669
2020	$1,216,604	$1,011,808	$2,273,130	$204,796
2019	$1,271,737	$979,280	$2,112,782	$292,457
2018	$1,163,393	$897,994	$1,696,610	$265,399

NATIONAL ASSOCIATION OF AFFORDABLE HOUSING LENDERS