Spectrum Housing (EIN 752435901) - 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

2000

Legal Domicile

Phone

9545252858

Tax Period

2020-01-01 to 2020-12-31

Spectrum Housing, founded in 2000, is a small nonprofit in the Housing & Shelter sector that reported $304K in total revenue in fiscal year 2020. Revenue decreased 17% compared to the prior year. The organization ran a surplus of $70K, a strong 23% operating margin.

Mission

The primary exempt purpose of the company is to provide decent, safe and affordable housing to low-income and moderate-income individuals and families.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $303,668

Investment Income $88

Other Revenue $0

TOTAL REVENUE $303,756

Expense Breakdown

Grants Paid $0

Salaries & Benefits $221,104

Fundraising Expenses $0

Program Expenses $224,335

Other Expenses $12,457

TOTAL EXPENSES $233,561

Year-over-Year Comparison

	2020	2019	Change
Revenue	$303,756	$368,000	-0.2%
Expenses	$233,561	$209,063	+0.1%
Net Income	$70,195	$158,937	-0.6%

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

N/A

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

$221,104

Total Directors

$221,104

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Frederick D Schnurr	Executive Dir.	3.00	Officer Director	$0	$101,104	$101,104
Sheldon Schreiberg	Secretary	3.00	Officer Director	$0	$100,000	$100,000
Berri McBride	Vice President	3.00	Officer Director	$0	$20,000	$20,000

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
2020	$303,756	$233,561	$129,132	$70,195
2019	$368,000	$209,063	$58,937	$158,937

Spectrum Housing