LAREDO WEBB NEIGHBORHOOD HOUSING S… - Form 990 Financial Data

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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

1991

Legal Domicile

Phone

9567129100

Tax Period

2024-10-01 to 2025-09-30

LAREDO WEBB NEIGHBORHOOD HOUSING SERVICES INC, founded in 1991, is a community nonprofit in the Housing & Shelter sector that reported $1.7M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.6M left a modest 6% surplus.

Mission

LWNHS ACTIVELY PROMOTES HOMEOWNERSHIP, FORECLOSURE PREVENTION, CONSUMER LENDING, PROVIDES AFFORDABLE HOUSING FINANCIAL CAPABILITIES PROGRAM WITH FOCUS ON CREDIT COACHING, COMBAT COMMUNITY DETERIORATION AND TO SECURE DECENT, SAFE AND SANITY HOUSING COMMUNITY FACILITIES

Program Service Accomplishments

Program 1

Expenses: $684,911

OTHER PROGRAMS

Program 2

Expenses: $196,727

COUNSELING: AS THE ONLY HUD APPROVED HOUSING COUNSELING AGENCY IN THE COUNTY OF WEBB, NEIGHBORWORKS LAREDO PROVIDES COUNSELING SERVICES THROUGH ITS OWNERSHIP CENTER. THE COUNSELING SERVICES PROVIDED INCLUDE HOMEBUYER EDUCATION AND COUNSELING, FORECLOSURE MITIGATION COUNSELING, CREDIT COUNSELING, RENTAL COUNSELING AND POST-PURCHASE COUNSELING.

Program 3

Expenses: $88,117

LOAN SERVICES: NEIGHBORWORKS LAREDO PREVIOUSLY PROVIDED SECURED LOANS FOR DOWN PAYMENT ASSISTANCE, CLOSING COST ASSISTANCE, AND HOME IMPROVEMENTS TO QUALIFYING CLIENTS. COMMUNITY LOAN CENTER OF...

LOAN SERVICES: NEIGHBORWORKS LAREDO PREVIOUSLY PROVIDED SECURED LOANS FOR DOWN PAYMENT ASSISTANCE, CLOSING COST ASSISTANCE, AND HOME IMPROVEMENTS TO QUALIFYING CLIENTS. COMMUNITY LOAN CENTER OF LAREDO (CLC OF LAREDO): IN 2020, NEIGHBORWORKS LAREDO COMMENCED ITS LENDING OPERATIONS OF UNCOLLATERALIZED CONSUMER LOAN PROGRAM TO COMBAT PREDATORY LENDING. THE COMMUNITY LOAN CENTER AFFORDABLE SMALL-DOLLAR LOAN PROGRAM (CLC) IS A BETTER ALTERNATIVE TO EXPENSIVE PAYDAY AND AUTO TITLE LOANS. CREATED BY COMMUNITY LENDERS, THE CLC PROGRAM IS DESIGNED TO BE A SCALABLE AND SUSTAINABLE SOCIAL ENTERPRISE. THE CLC PROGRAM ALLOWS THE CLC OF LAREDO TO MAKE ONLINE LOANS DIRECTLY TO EMPLOYEES OF PARTICIPATING EMPLOYERS. AN ELIGIBLE EMPLOYEE MAY APPLY FOR A CLC LOAN ONLINE.

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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 $1,610,250

Program Service Revenue $25,274

Investment Income $19,178

Other Revenue $0

TOTAL REVENUE $1,654,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $511,077

Fundraising Expenses $79,039

Program Expenses $1,033,540

Other Expenses $1,042,335

TOTAL EXPENSES $1,553,412

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,654,702	$1,416,266	+0.2%
Expenses	$1,553,412	$1,594,726	0.0%
Net Income	$101,290	$-178,460	-1.6%

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

Total Directors

Key Employees

$131,976

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
ELIZABETH ALONZO-VILLARREAL	CHIEF EXECUTIVE OFFICER	Key Emp	$112,174	$0	$131,976
MARY G SERNA DE CLEMENTE	BOARD PRESIDENT	Officer Director	$0	$0	$0
OSVALDO GUZMAN	BOARD VICE PRESIDENT	Officer Director	$0	$0	$0
MANUEL D OSORIO	BOARD TREASURER	Officer Director	$0	$0	$0
JACQUELINE LOPEZ	SECRETARY	Officer Director	$0	$0	$0
LEZLEY RINCON	BOARD MEMBER	Director	$0	$0	$0
JORGE F GONZALEZ	BOARD MEMBER	Director	$0	$0	$0
GABRIEL LOPEZ	BOARD MEMBER	Director	$0	$0	$0
JESUS OLIVARES	BOARD MEMBER	Director	$0	$0	$0
YOLANDA M SCIARAFFA	BOARD MEMBER	Director	$0	$0	$0
JOSE ZUNIGA	BOARD MEMBER	Director	$0	$0	$0
FLOR GONZALEZ	BOARD MEMBER		$0	$0	$0
IGNACIO URRABAZO JR	BOARD MEMBER		$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	$1,654,702	$1,553,412	$913,637	$101,290
2024	$1,416,266	$1,594,726	$944,670	$-178,460
2023	$832,733	$1,000,795	$6,041,157	$-168,062
2022	$790,946	$855,297	$6,719,548	$-64,351
2021	$794,014	$636,496	$6,453,481	$157,518
2020	$741,225	$625,017	$6,457,242	$116,208

LAREDO WEBB NEIGHBORHOOD HOUSING SERVICES INC