AFFORDABLE COMMUNITY HOUSING TRUST (EIN 680190026) - 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

1989

Legal Domicile

Principal Officer

JON PADEN

Phone

4052856680

Tax Period

2024-01-01 to 2024-12-31

AFFORDABLE COMMUNITY HOUSING TRUST, founded in 1989, is a small nonprofit that reported $256K in total revenue in fiscal year 2024. Revenue surged 486% from the prior year, signaling strong growth momentum. Expenses of $225K left a modest 12% surplus.

Mission

DEVELOP AND OPERATE AFFORDABLE HOUSING APARTMENT COMPLEXES.

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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 $0

Program Service Revenue $0

Investment Income $33,735

Other Revenue $222,593

TOTAL REVENUE $256,328

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,000

Fundraising Expenses $0

Program Expenses $145,100

Other Expenses $177,764

TOTAL EXPENSES $224,764

Year-over-Year Comparison

	2024	2023	Change
Revenue	$256,328	$43,751	+4.9%
Expenses	$224,764	$1,535,448	-0.9%
Net Income	$31,564	$-1,491,697	-1.0%

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

$97,000

Total Directors

$119,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JON PADEN	PRESIDENT	5.00	Officer Director	$47,000	$0	$47,000
RON JOHNSTON	DIRECTOR	1.00	Director	$11,000	$0	$11,000
STEVE CRISMAN	DIRECTOR	1.00	Director	$0	$0	$0
PHIL RAPP	DIRECTOR	1.00	Director	$11,000	$0	$11,000
SCOTT OVERBEY	SEC/TREASURE	5.00	Officer Director	$50,000	$0	$50,000

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
2024	$256,328	$224,764	$8,390,051	$31,564
2023	No data	No data	No data	No data
2022	$45,811	$239,213	$4,705,128	$-193,402
2021	$50,923	$1,155,269	$5,065,117	$-1,104,346
2020	$154,765	$217,344	$6,215,572	$-62,579
2018	$85,508	$553,093	$9,948,112	$-467,585

AFFORDABLE COMMUNITY HOUSING TRUST