North Bay Housing Coalition (EIN 680299806) - 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

1990

Legal Domicile

Principal Officer

Mary Eble

Phone

7072006553

Tax Period

2024-01-01 to 2024-12-31

North Bay Housing Coalition, founded in 1990, is a community nonprofit in the Human Services sector that reported $1.6M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum.

Mission

Increase affordable housing for individuals with developmental disabilities and their families. Manage a pooled special need trust for benefit of Californians with disabilities.

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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 $1,252,088

Program Service Revenue $324,146

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,576,234

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,740

Fundraising Expenses $0

Program Expenses $1,372,975

Other Expenses $1,478,168

TOTAL EXPENSES $1,585,908

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,576,234	$1,269,784	+0.2%
Expenses	$1,585,908	$1,285,640	+0.2%
Net Income	$-9,674	$-15,856	-0.4%

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

$90,848

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Eble	Executive Dir.	40.00	Officer	$90,848	$0	$90,848
Elizabeth Clary	Board President	2.00	Director	$0	$0	$0
Judy Naimo	Secretary	2.00	Director	$0	$0	$0
Marry Ann Malinak	Board Member	2.00	Director	$0	$0	$0
Angelica Gemo	VP/Treasurer	2.00	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
2024	$1,576,234	$1,585,908	$23,463,652	$-9,674
2023	$1,269,784	$1,285,640	$22,530,619	$-15,856
2022	$971,633	$1,049,989	$22,228,400	$-78,356
2021	$709,765	$821,925	$23,564,369	$-112,160
2020	$799,655	$782,769	$24,704,317	$16,886
2018	$510,748	$569,847	$20,125,711	$-59,099

North Bay Housing Coalition