CHATTANOOGA COMMUNITY HOUSING DEVELOPMENT ORGANIZATION INC (EIN 621501309) - Form 990 Financial Analysis & Trantor Score

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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

1992

Legal Domicile

Principal Officer

ROYA EVANS

Phone

4236689803

Tax Period

2023-07-01 to 2024-06-30

CHATTANOOGA COMMUNITY HOUSING DEVELOPMENT ORGANIZATION INC, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $420K in total revenue in fiscal year 2023. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $543K exceeded revenue, resulting in a 29% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING TO LOW AND MODERATE-INCOME FAMILIES USING VARIOUS FEDERAL, STATE, LOCAL AND PRIVATE FUNDING SOURCES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $282,301

Program Service Revenue $81,254

Investment Income $0

Other Revenue $56,820

TOTAL REVENUE $420,375

Expense Breakdown

Grants Paid $0

Salaries & Benefits $179,155

Fundraising Expenses $0

Program Expenses $401,872

Other Expenses $364,037

TOTAL EXPENSES $543,192

Year-over-Year Comparison

	2023	2022	Change
Revenue	$420,375	$602,925	-0.3%
Expenses	$543,192	$518,290	+0.0%
Net Income	$-122,817	$84,635	-2.5%

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

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

$168,256

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMY GARLAND PH D	BOARD CHAIR	0.20	Officer Director	$0	$0	$0
JUDY SCHWARTZ	VICE CHAIR	0.20	Officer Director	$0	$0	$0
PETER PALMER	BOARD TREASURER	0.20	Officer Director	$0	$0	$0
MANUEL RICO	BOARD SECRETARY	0.20	Officer Director	$0	$0	$0
LAMONTE VAUGHN	DIRECTOR	0.20	Director	$0	$0	$0
ELIJAH CAMERON	DIRECTOR	0.20	Director	$0	$0	$0
MARY E MORRIS	DIRECTOR	0.20	Director	$0	$0	$0
LINDA COX CARTER	DIRECTOR	0.20	Director	$0	$0	$0
ANTHONY SAMMONS	DIRECTOR	0.20	Director	$0	$0	$0
ROYA EVANS	PRESIDENT, EXECUTIVE DIREC	40.00	Officer	$102,022	$7,605	$109,627
JOANN ANKAR	ASSISTANT SECRETARY, ACCOU	30.00	Officer	$54,011	$4,618	$58,629

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	No data	No data	No data	No data
2024	$420,375	$543,192	$1,157,969	$-122,817
2023	$602,925	$518,290	$1,281,734	$84,635
2022	$568,922	$553,869	$1,196,794	$15,053
2021	$428,678	$529,230	$1,177,568	$-100,552
2020	$395,608	$518,707	$1,278,970	$-123,099
2019	$537,403	$538,666	$1,399,799	$-1,263

CHATTANOOGA COMMUNITY HOUSING DEVELOPMENT ORGANIZATION INC