CIVITAN HOMES INC (EIN 731581322) - 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

Principal Officer

DAVID ECK

Phone

9183332244

Tax Period

2025-01-01 to 2025-12-31

CIVITAN HOMES INC is a small nonprofit in the Housing & Shelter sector that reported $358K in total revenue in fiscal year 2025. Expenses of $410K exceeded revenue, resulting in a 14% operating deficit.

Mission

THE 47-UNIT RESIDENTIAL APARTMENT COMPLEX PROVIDES AFFORDABLE HOUSING FOR ELDERLY, LOW-INCOME RESIDENTS IN ENID, OKLAHOMA.

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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 $0

Program Service Revenue $355,681

Investment Income $2,094

Other Revenue $602

TOTAL REVENUE $358,377

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $354,740

Other Expenses $410,104

TOTAL EXPENSES $410,104

Year-over-Year Comparison

	2025	2024	Change
Revenue	$358,377	$355,541	+0.0%
Expenses	$410,104	$389,714	+0.1%
Net Income	$-51,727	$-34,173	+0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID ECK	PRESIDENT	1.00	Officer	$0	$0	$0
LORETTA DRENNAN-RICHEY	VICE-PRESIDE	1.00	Officer	$0	$0	$0
HELEN JOHNSON	SECRETARY	1.00	Officer	$0	$0	$0
JEFF HOOVER	MEMBER	1.00	Director	$0	$0	$0
DALE SAYRE	MEMBER	1.00	Director	$0	$0	$0
JAMES L DURHEIM	MEMBER	1.00	Director	$0	$0	$0
KENNETH WADE	MEMBER	1.00	Director	$0	$0	$0
TOM LAVICKY	MEMBER	1.00	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
2025	$358,377	$410,104	$784,555	$-51,727
2024	$355,541	$389,714	$834,849	$-34,173
2023	$255,823	$375,063	$918,059	$-119,240
2022	$225,094	$359,627	$1,014,880	$-134,533
2021	$186,406	$322,696	$1,126,869	$-136,290
2020	$245,512	$294,274	$1,255,174	$-48,762
2019	$222,767	$304,801	$1,302,704	$-82,034
2018	$216,255	$304,009	$1,389,719	$-87,754

CIVITAN HOMES INC