MIDDLE CREEK HOUSING CORPORATION (EIN 720919463) - 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

1980

Legal Domicile

Phone

3183526267

Tax Period

2025-01-01 to 2025-12-31

MIDDLE CREEK HOUSING CORPORATION, founded in 1980, is a small nonprofit in the Housing & Shelter sector that reported $437K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

TO PROVIDE AND ADVANCE SAFE HOUSING FOR PERSONS OF LOW INCOME, PARTICULARLY THE ELDERLY AND HANDICAPPED THROUGH THE USE OF HUD INSURED HOUSING PROJECT UNDER SEC. 221 OF THE NATIONAL HOUSING ACT.

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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 (2025)

Revenue Breakdown

Contributions & Grants $437,224

Program Service Revenue $0

Investment Income $184

Other Revenue $0

TOTAL REVENUE $437,408

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $344,116

Other Expenses $452,383

TOTAL EXPENSES $452,383

Year-over-Year Comparison

	2025	2024	Change
Revenue	$437,408	$400,883	+0.1%
Expenses	$452,383	$427,697	+0.1%
Net Income	$-14,975	$-26,814	-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

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

$34,595

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	PRESIDENT	20.00	Officer	$34,595	$0	$34,595

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	$437,408	$452,383	$294,229	$-14,975
2024	$400,883	$427,697	$319,110	$-26,814
2023	$409,055	$360,113	$412,575	$48,942
2022	$389,902	$420,967	$377,207	$-31,065
2021	$392,504	$438,374	$420,599	$-45,870
2020	$399,976	$398,730	$488,652	$1,246
2019	$406,290	$416,072	$512,556	$-9,782
2018	$404,613	$473,643	$533,959	$-69,030

MIDDLE CREEK HOUSING CORPORATION