STERLING 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

Legal Domicile

Principal Officer

SARA MORGAN

Tax Period

2018-07-01 to 2019-06-30

STERLING HOUSING INC is a micro nonprofit that reported $13 in total revenue in fiscal year 2018. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $376K exceeded revenue, resulting in a 2895223% operating deficit.

Mission

STERLING HOUSING, INC. IS A NONPROFIT ORGANIZATION THAT WAS FORMED ON JUNE 9, 1992 FOR THE PURPOSE TO PROMOTE THE PRESERVATION OF HOUSING FOR LOW AND MODERATE INCOME RESIDENTS OF CENTRAL APPALACHIA; TO PROVIDE RESOURCES TO HOUSING DEVELOPMENT CORPORATIONS AND ORGANIZATIONS TO FACILITATE THE PROVISION OF HOUSING FOR LOW AND MODERATE INCOME RESIDENTS IN CENTRAL APPALACHIA; TO CONDUCT RESEARCH AS RELATED TO THE PRODUCTION AND DESIGN OF LOW AND MODERATE INCOME HOUSES IN CENTRAL APPALACHIA; TO CARRY OUT ALL OTHER ACTIVITIES RELATED TO THE CIVIC BETTERMENT AND SOCIAL IMPROVEMENT OF LOW AND MODERATE INCOME FAMILIES IN CENTRAL APPALACHIA.

Program Service Accomplishments

Program 1

Expenses: $376,392

PROVIDING HOUSING TO LOW AND VERY LOW INCOME INDIVIDUALS IN CENTRAL APPALACHIA.

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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 (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $13

Other Revenue $0

TOTAL REVENUE $13

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $376,392

Other Expenses $376,392

TOTAL EXPENSES $376,392

Year-over-Year Comparison

	2018	2017	Change
Revenue	$13	$705,942	-1.0%
Expenses	$376,392	$235,811	+0.6%
Net Income	$-376,379	$470,131	-1.8%

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

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
SARA MORGAN	PRESIDENT	N/A	Officer	$0	$0	$0
PAM JOHNSON	VICE PRESIDE	N/A	Officer	$0	$0	$0
VONDA POYNTER	SECRETARY/TR	N/A	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
2019	$13	$376,392	$10,388	$-376,379