PONCE NEIGHBORHOOD HOUSING SERVICES INC (EIN 660501718) - 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

1993

Legal Domicile

Principal Officer

Catherine Cartagena-Sanchez

Phone

7878415055

Tax Period

2024-10-01 to 2025-09-30

PONCE NEIGHBORHOOD HOUSING SERVICES INC, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $2.1M in total revenue in fiscal year 2024.

Mission

Facilitate the acquisition and rehabilitation of housing for people of low and moderate income in the south of PR. Provide foreclosure education, counseling, loss mitigation, and financial empowerment.

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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 $1,997,895

Program Service Revenue $66,560

Investment Income $4,213

Other Revenue $0

TOTAL REVENUE $2,068,668

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,518,375

Fundraising Expenses $1,468

Program Expenses $0

Other Expenses $636,508

TOTAL EXPENSES $2,154,883

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,068,668	$2,002,416	+0.0%
Expenses	$2,154,883	$2,265,661	0.0%
Net Income	$-86,215	$-263,245	-0.7%

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

Total Directors

$135,045

Key Employees

$197,073

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth Colon-Rivera	Executive Director	40.00	Director	$135,045	$0	$135,045
Catherine Cartagena-Sanchez	CFO	40.00	Key Emp	$110,626	$0	$110,626
Brian Santiago-Velez	Personnel Manager	40.00	Key Emp	$45,675	$0	$45,675
Eunice Perez	Board of Director	3.00	Officer	$0	$0	$0
Carmen Prieto	Board of Director	3.00	Officer	$0	$0	$0
Rafael Del Valle-Leon	Board of Director	3.00	Officer	$0	$0	$0
Jailene Gutierrez-Rojas	Finance & Accounting Supervisor	40.00	Key Emp	$40,772	$0	$40,772
Roberto Puello	Board of Director	3.00	Officer	$0	$0	$0
Osiris Torres	Board of Director	3.00	Officer	$0	$0	$0
Hernan Vera	Board of Director	3.00	Officer	$0	$0	$0
Randy Ortiz	Board of Director	3.00	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
2025	$2,068,668	$2,154,883	$2,840,779	$-86,215
2024	$2,002,416	$2,265,661	$2,968,362	$-263,245
2023	$2,441,273	$2,738,902	$3,258,262	$-297,629
2022	$2,564,555	$2,280,201	$3,492,487	$284,354
2021	$1,261,511	$1,249,304	$3,300,449	$12,207
2020	$949,645	$699,722	$3,267,666	$249,923

PONCE NEIGHBORHOOD HOUSING SERVICES INC