CHF REVOLVING LOAN FUND

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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

2002

Legal Domicile

Principal Officer

CATHERINE STROH

Phone

3038942503

Tax Period

2024-07-01 to 2025-06-30

CHF REVOLVING LOAN FUND, founded in 2002, is a small nonprofit in the Arts, Culture & Humanities sector that reported $138K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $35K, a strong 25% operating margin.

Mission

TO SUPPORT HISTORIC PRESERVATION PROJECTS THROUGH LOW-INTEREST LOANS.

Program Service Accomplishments

Program 1

Expenses: $72,908 Revenue: $77,927

THE CHF REVOLVING LOAN FUND IS A PERMANENT SOURCE OF CAPITAL FUNDS FOR HISTORIC PRESERVATION PROJECTS IN COLORADO. THE LOAN FUND IS MANAGED IN PARTNERSHIP WITH THE COLORADO HOUSING AND FINANCE...

THE CHF REVOLVING LOAN FUND IS A PERMANENT SOURCE OF CAPITAL FUNDS FOR HISTORIC PRESERVATION PROJECTS IN COLORADO. THE LOAN FUND IS MANAGED IN PARTNERSHIP WITH THE COLORADO HOUSING AND FINANCE AUTHORITY AND PROVIDES BELOW-MARKET FIXED-RATE LOANS TO SUPPLEMENT STATE HISTORICAL FUND GRANTS AND OTHER FUNDING SOURCES FOR PROJECTS FOLLOWING THE SECRETARY OF THE INTERIOR'S STANDARDS FOR THE TREATMENT OF HISTORIC PROPERTIES. THE LOAN PROGRAM OFFERS SECURED LOANS FOR TERMS UP TO FIVE YEARS, WITH FLEXIBLE REPAYMENT SCHEDULES. INTEREST RATES, LOAN AMOUNTS, AND REPAYMENT TERMS ARE RECOMMENDED BY THE LOAN COMMITTEE WITH ADVICE FROM STAFF, CHFA AND LEGAL COUNSEL, AND APPROVED BY THE BOARD.

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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 $77,927

Investment Income $59,630

Other Revenue $0

TOTAL REVENUE $137,557

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $72,908

Other Expenses $102,693

TOTAL EXPENSES $102,693

Year-over-Year Comparison

	2024	2023	Change
Revenue	$137,557	$153,178	-0.1%
Expenses	$102,693	$96,689	+0.1%
Net Income	$34,864	$56,489	-0.4%

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

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

$125,976

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE STROH	EXECUTIVE DI	40.00	Officer	$0	$0	$125,976
BRUCE O'DONNELL	PRESIDENT/TR	2.00	Officer Director	$0	$0	$0
FRANK KUGELER	TREASURER/PR	1.00	Officer Director	$0	$0	$0
DOMINICK SEKICH	SECRETARY	1.00	Officer Director	$0	$0	$0
JIM HARTMAN	DIRECTOR	1.00	Director	$0	$0	$0
ERIC RYMARZ	DIRECTOR	1.00	Director	$0	$0	$0
JAXON MEARDON	DIRECTOR	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	$137,557	$102,693	$3,111,569	$34,864
2024	$153,178	$96,689	$3,073,109	$56,489
2023	$109,570	$86,148	$3,019,014	$23,422
2022	$136,358	$110,224	$2,986,391	$26,134
2021	$253,752	$87,836	$2,968,478	$165,916
2020	$48,148	$32,392	$2,796,427	$15,756
2019	$69,210	$91,649	$2,932,619	$-22,439
2018	$28,297	$88,496	$2,807,900	$-60,199