UNITED HOUSING INC (EIN 621597364) - 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

1994

Legal Domicile

Principal Officer

AMY SCHAFTLEIN

Phone

9012721122

Tax Period

2024-07-01 to 2025-06-30

UNITED HOUSING INC, founded in 1994, is a community nonprofit in the Housing & Shelter sector that reported $3.5M in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $847K, a strong 24% operating margin.

Mission

OUR MISSION IS TO PROVIDE QUALITY HOUSING OPPORTUNITIES TO MID-SOUTH RESIDENTS THROUGH FINANCIAL EDUCATION, MORTGAGE LENDING, HOME BUILDING AND RENOVATION, AND CREATIVE PARTNERSHIPS WITH PUBLIC, PRIVATE, AND NONPROFIT ENTITIES.

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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 $2,818,075

Program Service Revenue $711,665

Investment Income $208,351

Other Revenue $-195,076

TOTAL REVENUE $3,543,015

Expense Breakdown

Grants Paid $0

Salaries & Benefits $989,378

Fundraising Expenses $0

Program Expenses $2,203,101

Other Expenses $1,707,038

TOTAL EXPENSES $2,696,416

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,543,015	$4,080,978	-0.1%
Expenses	$2,696,416	$4,464,043	-0.4%
Net Income	$846,599	$-383,065	-3.2%

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

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

$121,016

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY SCHAFTLEIN	EXECUTIVE DI	34.00	Officer	$101,964	$0	$121,016
KATHY COWAN	DIRECTOR	0.50	Director	$0	$0	$0
VENITA DOGGETT	DIRECTOR	0.50	Director	$0	$0	$0
ANDRES GALLEGOS	DIRECTOR	0.50	Director	$0	$0	$0
ED GENTRY	DIRECTOR	0.50	Director	$0	$0	$0
CHERYL HENDESON	DIRECTOR	0.50	Director	$0	$0	$0
SHARON HYDE	SECRETARY	0.50	Officer Director	$0	$0	$0
EFFIE JOHSON	DIRECTOR	0.50	Director	$0	$0	$0
ANDRE JONES	DIRECTOR	0.50	Director	$0	$0	$0
KIMBERLY JORDAN-FLUKER	DIRECTOR	0.50	Director	$0	$0	$0
RODNEY TATE JR	DIRECTOR	0.50	Director	$0	$0	$0
KATE KANANURA	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JEFF MCEVOY	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
TOM SIMPSON	TREASURER	0.50	Officer Director	$0	$0	$0
ANITA TATE	DIRECTOR	0.50	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	$3,543,015	$2,696,416	$16,410,555	$846,599
2024	$4,080,978	$4,464,043	$13,640,914	$-383,065
2023	$8,634,919	$7,271,147	$15,348,471	$1,363,772
2022	$3,821,047	$4,158,486	$16,331,371	$-337,439
2021	$4,947,382	$3,236,947	$14,562,633	$1,710,435
2020	$7,373,628	$6,401,857	$12,135,553	$971,771
2019	$2,054,821	$1,921,545	$11,743,998	$133,276

UNITED HOUSING INC