COMMUNITY APARTMENTS BORROWER CORP (EIN 541527065) - 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

1993

Legal Domicile

Principal Officer

ROBERT MOUW

Phone

7035092574

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY APARTMENT BORROWER CORP, founded in 1993, is a small nonprofit that reported $167K in total revenue in fiscal year 2018. Expenses of $188K exceeded revenue, resulting in a 13% operating deficit.

Mission

PROVIDE HOUSING FOR HANDICAPPED PERSONS

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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 $116,942

Program Service Revenue $90,887

Investment Income $4,951

Other Revenue $0

TOTAL REVENUE $212,780

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $200,697

Other Expenses $244,564

TOTAL EXPENSES $244,564

Year-over-Year Comparison

	2024	2023	Change
Revenue	$212,780	$199,923	+0.1%
Expenses	$244,564	$205,314	+0.2%
Net Income	$-31,784	$-5,391	+4.9%

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

N/A

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
MARK EDWARDS	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROBERT MOUW	TREASURER	N/A	Officer Director	$0	$0	$0
WANDA HIGGINS	SECRETARY	N/A	Officer Director	$0	$0	$0
BARBARA DAVIS	DIRECTOR	N/A	Director	$0	$0	$0
EARNIE PORTA	DIRECTOR	N/A	Director	$0	$0	$0
PETE HABERKAST	DIRECTOR	N/A	Director	$0	$0	$0
LYNNE JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
AMANDA PROCH	DIRECTOR	N/A	Director	$0	$0	$0
KAREN SMITH	DIRECTOR	N/A	Director	$0	$0	$0
DARCY TILLMAN	DIRECTOR	N/A	Director	$0	$0	$0
RICHARD ZINN	DIRECTOR	N/A	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	$212,780	$244,564	$1,077,311	$-31,784
2024	$199,923	$205,314	$1,098,529	$-5,391
2023	$192,982	$208,590	$1,097,049	$-15,608
2022	$188,224	$202,982	$1,122,100	$-14,758
2021	$183,974	$190,397	$1,126,755	$-6,423
2020	$181,043	$197,372	$1,139,440	$-16,329
2019	$166,878	$188,412	$1,154,595	$-21,534

COMMUNITY APARTMENTS BORROWER CORP