Anderson Valley Housing Association Inc (EIN 680131026) - 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

1987

Legal Domicile

Principal Officer

Jo Denise Williams

Phone

7078953525

Tax Period

2024-07-01 to 2025-06-30

Anderson Valley Housing Association Inc, founded in 1987, is a small nonprofit in the Housing & Shelter sector that reported $253K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $48K, a strong 19% operating margin.

Mission

To provide safe, clean, affordable housing to low income families in Anderson Valley.

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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 $99,554

Program Service Revenue $153,435

Investment Income $337

Other Revenue $0

TOTAL REVENUE $253,326

Expense Breakdown

Grants Paid $0

Salaries & Benefits $51,465

Fundraising Expenses $4,765

Program Expenses $176,882

Other Expenses $154,269

TOTAL EXPENSES $205,734

Year-over-Year Comparison

	2024	2023	Change
Revenue	$253,326	$206,003	+0.2%
Expenses	$205,734	$225,513	-0.1%
Net Income	$47,592	$-19,510	-3.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chloe Gans-Rugebregt	Director	1.00	Director	$0	$0	$0
Nancy Serna	Director	1.00	Director	$0	$0	$0
Robert Aviles	Director	1.00	Director	$0	$0	$0
Carrie Castro	Co-Chairperson	3.00	Officer Director	$0	$0	$0
Kathleen Cox	Co-Chariperson	2.00	Officer Director	$0	$0	$0
Rebecca Goldie	Secretary	2.00	Officer Director	$0	$0	$0
Robert Salisbury	Vice Chairperson	2.00	Officer Director	$0	$0	$0
Jo Denise Williams	Treasurer	2.00	Officer 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	$253,326	$205,734	$1,564,799	$47,592
2024	$206,003	$225,513	$1,541,056	$-19,510
2023	$247,745	$313,354	$1,571,816	$-65,609
2022	$140,467	$192,905	$1,638,181	$-52,438
2021	$165,297	$189,357	$805,996	$-24,060
2020	$152,742	$180,156	$849,725	$-27,414
2019	$24,864	$49,440	$875,503	$-24,576

Anderson Valley Housing Association Inc