SOUTH TEXAS HOUSING AND COMMUNITY DEVELOPMENT CORP (EIN 742684917) - 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

1993

Legal Domicile

Principal Officer

SERGIO DICKERSON

Phone

2102234088

Tax Period

2023-10-01 to 2024-09-30

SOUTH TEXAS HOUSING AND COMMUNITY DEVELOPMENT CORP, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $2.5M in total revenue in fiscal year 2023. Revenue surged 281% from the prior year, signaling strong growth momentum.

Mission

Promote affordable housing and economic development by creating jobs in an enterprise zone.

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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 $617

Program Service Revenue $2,321,610

Investment Income $0

Other Revenue $164,057

TOTAL REVENUE $2,486,284

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,562,979

Fundraising Expenses $0

Program Expenses $2,465,196

Other Expenses $910,367

TOTAL EXPENSES $2,473,346

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,486,284	$652,728	+2.8%
Expenses	$2,473,346	$1,227,892	+1.0%
Net Income	$12,938	$-575,164	-1.0%

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
Major General Juan Ayala	NVOP Board Member	001.00	Director	$0	$0	$0
Ms Myrna Chavarria	NVOP Board Secretary	001.00	Director	$0	$0	$0
Mr Phillip Gutierres	NVOP Board Member	001.00	Director	$0	$0	$0
Mr Jesse R Diaz	NVOP Board Member	001.00	Director	$0	$0	$0
Mr Gilbert Rodriguez	NVOP Board Member	001.00	Director	$0	$0	$0
Ms Evelyn Carvajal	NVOP Board Treasurer	001.00	Director	$0	$0	$0
Mr Steven Gonzalez	NVOP Board Vice Chairman	001.00	Director	$0	$0	$0
Mr Sergio M Gonzalez JD	NVOP Board Chairman	001.00	Director	$0	$0	$0
Mr Ceasar Ruiz	NVOP Board Member	001.00	Director	$0	$0	$0
Ms Thelma Gonzales	NVOP Board Member	001.00	Director	$0	$0	$0
Mr Luis Vazquez-Contes	NVOP Board Member	001.00	Director	$0	$0	$0
Mr Roy Reyes	NVOP Board Member	001.00	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
2024	$2,486,284	$2,473,346	$1,670,749	$12,938
2023	$652,728	$1,227,892	$1,163,525	$-575,164
2022	$891,595	$2,267,440	$1,543,576	$-1,375,845
2021	$860,406	$1,005,918	$2,534,773	$-145,512
2020	$1,350,078	$2,006,903	$3,141,262	$-656,825
2019	$1,860,312	$1,307,380	$3,671,066	$552,932
2018	$2,106,638	$2,116,705	$3,325,232	$-10,067

SOUTH TEXAS HOUSING AND COMMUNITY DEVELOPMENT CORP