CFH Inc (EIN 541121171) - 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

1979

Legal Domicile

Principal Officer

Luis Castillo

Phone

7032214510

Tax Period

2024-07-01 to 2025-06-30

CFH INC FORMERLY CATHOLICS FOR HOUSING INC, founded in 1979, is a community nonprofit in the Community Improvement sector that reported $1.4M in total revenue in fiscal year 2019. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $1.3M left a modest 9% surplus.

Mission

CFH empowers individuals and families to successfully create a sustainable home in which they can achieve their goals and allow their children to build their dreams and reach their potentials.

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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 $695,210

Program Service Revenue $857,384

Investment Income $34,200

Other Revenue $-15,847

TOTAL REVENUE $1,570,947

Expense Breakdown

Grants Paid $519,324

Salaries & Benefits $496,108

Fundraising Expenses $56,859

Program Expenses $1,205,178

Other Expenses $567,049

TOTAL EXPENSES $1,582,481

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,570,947	$1,369,749	+0.1%
Expenses	$1,582,481	$1,357,067	+0.2%
Net Income	$-11,534	$12,682	-1.9%

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

$158,768

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Luis Castillo	President	2.00	Officer Director	$0	$0	$0
Harvey Plante	Vice President	1.00	Officer Director	$0	$0	$0
Jerome Jones Jr	Secretary	1.00	Officer Director	$0	$0	$0
Charles Einsmann	Treasurer	2.00	Officer Director	$0	$0	$0
Christopher Daniels	Director	1.00	Director	$0	$0	$0
Frank Muraca	Director	1.00	Director	$0	$0	$0
April Haynes	Director	1.00	Director	$0	$0	$0
Susan Hoffler-Goodman	Director	1.00	Director	$0	$0	$0
George Davies	Executive Director	40.00	Officer	$150,037	$8,731	$158,768

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	$1,570,947	$1,582,481	$6,093,625	$-11,534
2024	$1,369,749	$1,357,067	$6,330,199	$12,682
2023	$1,999,201	$1,333,622	$6,419,021	$665,579
2022	$1,344,330	$1,221,049	$5,806,371	$123,281
2021	$1,305,718	$1,113,952	$5,626,706	$191,766
2021	$1,305,718	$1,113,952	$5,626,706	$191,766
2020	$1,382,213	$1,260,216	$5,584,108	$121,997

CFH Inc