Texas Housing Association (EIN 742309187) - 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

1979

Legal Domicile

Principal Officer

Jennifer Dugan

Phone

8175265369

Tax Period

2024-10-01 to 2024-12-31

Texas Housing Association, founded in 1979, is a micro nonprofit in the Housing & Shelter sector that reported $14K in total revenue in fiscal year 2024. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $67K exceeded revenue, resulting in a 375% operating deficit.

Mission

Advancement of public housing in Texas

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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 $1,200

Program Service Revenue $10,910

Investment Income $1,088

Other Revenue $931

TOTAL REVENUE $14,129

Expense Breakdown

Grants Paid $0

Salaries & Benefits $43,615

Fundraising Expenses $0

Program Expenses $67,164

Other Expenses $21,731

TOTAL EXPENSES $67,164

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,129	$826,672	-1.0%
Expenses	$67,164	$568,597	-0.9%
Net Income	$-53,035	$258,075	-1.2%

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
Rebecca Leal	Trustee	0.00	Director	$0	$0	$0
Dee Zachry	Trustee	0.00	Director	$0	$0	$0
Dr Martin Castillo	Trustee	0.00	Director	$0	$0	$0
Joan Wright	Trustee	0.00	Director	$0	$0	$0
Ebby Green	Trustee	0.00	Director	$0	$0	$0
Tricia Taylor	Trustee	0.00	Director	$0	$0	$0
Daisy Flores	Trustee	0.00	Director	$0	$0	$0
Melissa Hance	Trustee	0.00	Director	$0	$0	$0
Stan Dulaney	Trustee	0.00	Director	$0	$0	$0
Wayne Pollard	Trustee	0.00	Director	$0	$0	$0
Deanna Broussard	Trustee	0.00	Director	$0	$0	$0
Joyce Young	Trustee	0.00	Director	$0	$0	$0
Johnna Gibson	Trustee	0.00	Director	$0	$0	$0
Josh Talley	Trustee	0.00	Director	$0	$0	$0
Sandy Trevino	Trustee	0.00	Director	$0	$0	$0
John Salcido	Trustee	0.00	Director	$0	$0	$0
Andrew Laabs	Trustee	0.00	Director	$0	$0	$0
Jennifer Dugan	Executive Director	40.00	Officer Director	$0	$0	$0
Sherri McDade	Past President	0.00	Officer	$0	$0	$0
Kim McGilvray	Pres Elect	0.00	Officer	$0	$0	$0
Cal Davis	Treasurer	0.00	Officer	$0	$0	$0
Cristi LaJeunesse	Secretary	0.00	Officer	$0	$0	$0
Stacia J Waters	President	0.00	Officer	$0	$0	$0
Peggy Gaydos	2nd VP	0.00	Officer	$0	$0	$0
Steve Martin	1st VP	0.00	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	$14,129	$67,164	$435,168	$-53,035
2024	$826,672	$568,597	$489,696	$258,075
2023	$665,786	$670,693	$234,679	$-4,907
2022	$474,097	$513,769	$234,348	$-39,672
2021	$414,125	$473,250	$274,279	$-59,125
2020	$322,016	$349,458	$334,649	$-27,442
2019	$577,546	$541,571	$360,831	$35,975
2018	$589,098	$503,627	$326,048	$85,471

Texas Housing Association