COMMUNITY HOUSING RESOURCE BOARD OF LUBBOCK (EIN 752052605) - 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

SAM HARPER

Phone

8067633877

Tax Period

2024-10-01 to 2025-09-30

COMMUNITY HOUSING RESOURCE BOARD OF LUBBOCK is a small nonprofit that reported $555K in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $699K exceeded revenue, resulting in a 26% operating deficit.

Mission

TO FACILITATE THE PURCHASE AND RENTAL OF REAL PROPERTY BY MINORITY BUYERS AND RENTERS; TO ENABLE MINORITY BUYERS AND RENTERS TO HAVE A FREE CHOICE IN THEIR HOUSING LOCATION; TO DIMINISH AND ERADICATE DISCRIMINATION IN THE ACQUISITION, DISPOSITION AND RENTAL OF ALL REAL PROPERTY; TO ENCOURAGE AND ASSIST IN THE IMPLEMENTATION OF FEDERAL, STATE AND LOCAL FAIR HOUSING LAWS.

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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 $0

Program Service Revenue $518,573

Investment Income $0

Other Revenue $36,380

TOTAL REVENUE $554,953

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,788

Fundraising Expenses $0

Program Expenses $588,065

Other Expenses $578,585

TOTAL EXPENSES $699,373

Year-over-Year Comparison

	2024	2023	Change
Revenue	$554,953	$464,089	+0.2%
Expenses	$699,373	$671,905	+0.0%
Net Income	$-144,420	$-207,816	-0.3%

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
SAM HARPER	PRESIDENT	2.00	Officer Director	$0	$0	$0
KALEY IHFE	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
CHARLES E PLANKS	MEMBER	1.00	Director	$0	$0	$0
ROBERT RAMIREZ	MEMBER	1.00	Director	$0	$0	$0
ROSE WILSON	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	$554,953	$699,373	$1,762,066	$-144,420
2024	$464,089	$671,905	$1,972,337	$-207,816
2023	$445,658	$847,007	$2,045,667	$-401,349
2022	$394,544	$515,333	$2,433,917	$-120,789
2021	$362,265	$553,374	$2,572,654	$-191,109
2020	$590,663	$471,754	$2,759,638	$118,909
2019	$541,360	$436,525	$2,636,287	$104,835
2018	$356,932	$482,431	$2,531,568	$-125,499

COMMUNITY HOUSING RESOURCE BOARD OF LUBBOCK