IN AFFORDABLE HOUSING INC

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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

ROMA ISOM

Tax Period

2023-01-01 to 2023-12-31

IN AFFORDABLE HOUSING INC, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $124K in total revenue in fiscal year 2023. Revenue fell 63% from the prior year — a significant decline worth monitoring. Expenses of $214K exceeded revenue, resulting in a 73% operating deficit.

Mission

CREATE AND PRESERVE AFFORDABLE HOUSING OPPORTUNITIES THAT CREATES UPWARD MOBILITY FOR FAMILIES WITH MODEST INCOMES THROUGH TRAINING, FINANCIAL EDUCATION AND ADVOCACY. ENCOURAGE ECONOMIC DEVELOPMENT AND TARGETED COMMUNITY INVESTMENT PARTNERSHIPS THROUGH THOSE WHO SHARE OUR BELIEF

Program Service Accomplishments

Program 1

Expenses: $214,113

CREATE AND PRESERVE AFFORDABLE HOUSING OPPORTUNITIES

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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 (2023)

Revenue Breakdown

Contributions & Grants $123,813

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $123,813

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,756

Fundraising Expenses $0

Program Expenses $214,113

Other Expenses $100,357

TOTAL EXPENSES $214,113

Year-over-Year Comparison

	2023	2022	Change
Revenue	$123,813	$333,057	-0.6%
Expenses	$214,113	$238,118	-0.1%
Net Income	$-90,300	$94,939	-2.0%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CONNIE WHITFIELD	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA MOTON	DIRECTOR	1.00	Director	$0	$0	$0
DENISE WHITE	DIRECTOR	1.00	Director	$0	$0	$0
LOUIS B HEARD	CHAIRMAN OF THE BOARD	1.00	Director	$0	$0	$0
KELVIN JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
ROMA ISOM	EXECUTIVE DIRECTOR	40.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$123,813	$214,113	$192,564	$-90,300
2022	$333,057	$238,118	$321,045	$94,939
2021	$146,675	$213,329	$234,077	$-66,654
2020	$354,961	$265,438	$303,476	$89,523
2019	$194,153	$196,570	$88,152	$-2,417
2018	$243,314	$203,834	$101,245	$39,480