WILLOW CREEK HOUSING INC (EIN 521963655) - 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

1996

Legal Domicile

Principal Officer

TODD TRAVIS

Phone

3019980400

Tax Period

2024-01-01 to 2024-12-31

WILLOW CREEK HOUSING INC, founded in 1996, is a community nonprofit in the Housing & Shelter sector that reported $3.4M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $4.2M exceeded revenue, resulting in a 26% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING TO LOW-INCOME INDIVIDUALS AND THEIR FAMILIES

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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 $2,478,115

Program Service Revenue $875,160

Investment Income $2,255

Other Revenue $6,648

TOTAL REVENUE $3,362,178

Expense Breakdown

Grants Paid $0

Salaries & Benefits $336,897

Fundraising Expenses $0

Program Expenses $3,949,481

Other Expenses $3,896,486

TOTAL EXPENSES $4,233,383

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,362,178	$3,060,739	+0.1%
Expenses	$4,233,383	$3,562,542	+0.2%
Net Income	$-871,205	$-501,803	+0.7%

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

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
BERNARD BEAL	DIRECTOR	1.00	Director	$0	$0	$0
TODD TRAVIS	PRESIDENT	1.00	Officer	$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	$3,362,178	$4,233,383	$5,936,489	$-871,205
2023	No data	No data	No data	No data
2022	$2,201,385	$30,368,525	$6,964,675	$-28,167,140
2021	$2,054,966	$2,128,699	$6,108,914	$-73,733
2020	$1,901,180	$2,041,315	$6,154,978	$-140,135
2019	$1,861,265	$2,009,989	$6,254,701	$-148,724
2018	$1,826,728	$1,933,282	$6,381,832	$-106,554

WILLOW CREEK HOUSING INC