HOUSING OPPORTUNITIES INC (EIN 541584697) - 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

1991

Legal Domicile

Principal Officer

LIDIA WILLIAMS

Phone

4343927049

Tax Period

2024-07-01 to 2025-06-30

HOUSING OPPORTUNITIES INC, founded in 1991, is a micro nonprofit in the Mental Health sector that reported $95K in total revenue in fiscal year 2018. Revenue grew 14% year-over-year, indicating healthy expansion. Net assets of $383K represent 48 months of operating reserves.

Mission

TO PROVIDE SECTION 811 HOUSING

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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 $0

Program Service Revenue $74,022

Investment Income $2,095

Other Revenue $60,801

TOTAL REVENUE $136,918

Expense Breakdown

Grants Paid $0

Salaries & Benefits $33,960

Fundraising Expenses $0

Program Expenses $73,056

Other Expenses $94,066

TOTAL EXPENSES $128,026

Year-over-Year Comparison

	2024	2023	Change
Revenue	$136,918	$127,826	+0.1%
Expenses	$128,026	$125,503	+0.0%
Net Income	$8,892	$2,323	+2.8%

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
SHARON SMITH	PRESIDENT	2.00	Officer Director	$0	$0	$0
NEMIAH BRAXTON	VICE-PRESIDENT	2.00	Officer Director	$0	$0	$0
PAMELA DECAMP	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
RIAN NEUBERGER	DIRECTOR	1.00	Director	$0	$0	$0
LIDIA WILLIAMS	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
2025	$136,918	$128,026	$428,454	$8,892
2024	$127,826	$125,503	$424,877	$2,323
2023	$117,965	$137,006	$417,217	$-19,041
2022	$120,933	$116,445	$452,607	$4,488
2021	$114,975	$113,414	$438,530	$1,561
2020	$113,198	$80,138	$428,084	$33,060
2019	$94,881	$94,879	$396,808	$2

HOUSING OPPORTUNITIES INC