LOWER VALLEY HOUSING CORPORATION (EIN 752128963) - 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

1986

Legal Domicile

Principal Officer

PATTY BARTON

Phone

9157643413

Tax Period

2021-01-01 to 2021-12-31

LOWER VALLEY HOUSING CORPORATION, founded in 1986, is a small nonprofit that reported $558K in total revenue in fiscal year 2021. Revenue fell 43% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $318K, a strong 57% operating margin.

Mission

THE ORGANIZATION'S MISSION IS TO PROVIDE SERVICES TO LOW INCOME FAMILIES SUCH AS LOW INCOME LOANS AND NEWLY BUILT HOMES TO THOSE WHO QUALIFY.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $558,257

Investment Income $0

Other Revenue $0

TOTAL REVENUE $558,257

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,007

Fundraising Expenses $0

Program Expenses $230,608

Other Expenses $222,405

TOTAL EXPENSES $240,412

Year-over-Year Comparison

	2021	2020	Change
Revenue	$558,257	$975,177	-0.4%
Expenses	$240,412	$689,251	-0.7%
Net Income	$317,845	$285,926	+0.1%

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

$42,000

Total Directors

$42,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATTY BARTON	President	12.00	Officer Director	$42,000	$0	$42,000
ROSA JOHNSON	Secretary	0.00	Officer Director	$0	$0	$0
ROSA LOYA	Secretary	0.00	Officer Director	$0	$0	$0
JORGE CARRASCO JR	Director	0.00	Director	$0	$0	$0
SAMMY MADRID	Director	0.00	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
2021	$558,257	$240,412	$669,889	$317,845
2020	$975,177	$689,251	$1,564,468	$285,926
2019	$770,462	$850,150	$3,070,645	$-79,688
2018	$898,274	$851,333	$3,293,757	$46,941

LOWER VALLEY HOUSING CORPORATION