Center for Affordable Housing Inc

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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

1981

Legal Domicile

Phone

4073233268

Tax Period

2024-10-01 to 2025-09-30

Center for Affordable Housing Inc, founded in 1981, is a micro nonprofit in the Housing & Shelter sector that reported $24K in total revenue in fiscal year 2024. Expenses of $70K exceeded revenue, resulting in a 192% operating deficit.

Mission

To provide safe, secure and affordable housing, as well as related housing services to low-income residents of Central Florida.

Program Service Accomplishments

Program 1

Expenses: $21,359 Revenue: $23,880

The Center assists low income families and individuals to obtain low cost housing in the Central Florida area. The Center purchases homes and reconditions them for rental to qualified low income...

The Center assists low income families and individuals to obtain low cost housing in the Central Florida area. The Center purchases homes and reconditions them for rental to qualified low income households. The rent and fee income is used to pay the mortgages, taxes, insurance, repairs, and other costs associated with reconditioning the homes.

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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 $0

Program Service Revenue $23,880

Investment Income $42

Other Revenue $0

TOTAL REVENUE $23,922

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $21,359

Other Expenses $69,847

TOTAL EXPENSES $69,847

Year-over-Year Comparison

	2024	2023	Change
Revenue	$23,922	$24,573	0.0%
Expenses	$69,847	$102,024	-0.3%
Net Income	$-45,925	$-77,451	-0.4%

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
Stephen R Cold	President	1.00	Officer Director	$0	$0	$0
William F Newman	Vice President	1.00	Officer Director	$0	$0	$0
Paul Gidus	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	$23,922	$69,847	$59,885	$-45,925
2024	$24,573	$102,024	$109,897	$-77,451
2023	$25,951	$86,889	$191,414	$-60,938
2022	$149,398	$70,518	$258,773	$78,880
2021	$45,426	$69,577	$251,153	$-24,151
2020	$38,635	$74,377	$280,180	$-35,742
2019	$89,866	$76,258	$332,779	$13,608
2018	$81,688	$60,251	$180,037	$21,437