Idaho Housing Foundation (EIN 753162969) - 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

2005

Legal Domicile

Principal Officer

Gerald M Hunter

Phone

2083314756

Tax Period

2024-07-01 to 2025-06-30

Idaho Housing Foundation, founded in 2005, is a community nonprofit in the Housing & Shelter sector that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $2.3M exceeded revenue, resulting in a 41% operating deficit.

Mission

To promote affordable housing, support housing and shelter services, and prevent homelessness.

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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 $1,554,950

Program Service Revenue $16,221

Investment Income $49,327

Other Revenue $0

TOTAL REVENUE $1,620,498

Expense Breakdown

Grants Paid $2,005,910

Salaries & Benefits $133,550

Fundraising Expenses $15,952

Program Expenses $2,139,460

Other Expenses $144,429

TOTAL EXPENSES $2,283,889

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,620,498	$1,496,667	+0.1%
Expenses	$2,283,889	$2,799,531	-0.2%
Net Income	$-663,391	$-1,302,864	-0.5%

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

$1,490,997

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gerald M Hunter	President-IHFA Executive Director	1.00	Officer	$0	$95,023	$619,040
John Chung	Treasurer-IHFA CFO	2.00	Officer	$0	$79,885	$373,078
Brady Ellis	Executive Vice President-IHFA VP	2.00	Officer	$0	$59,646	$265,355
Wayne Millward From 042025	Asst. Secretary/Treasurer-IHFA VP	2.00	Officer	$0	$54,225	$233,524
Steven Keen	Chairman	0.30	Officer Director	$0	$0	$0
Mark Dunham	Vice Chairman	0.30	Officer Director	$0	$0	$0
Nancy Vannorsdel	Secretary	0.30	Officer Director	$0	$0	$0
Scot Ludwig	Director	0.30	Director	$0	$0	$0
Tracy Silver	Director	0.30	Director	$0	$0	$0
Jeff Nesset	Director	0.30	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	$1,620,498	$2,283,889	$2,296,984	$-663,391
2024	$1,496,667	$2,799,531	$2,086,428	$-1,302,864
2023	$3,021,557	$1,711,372	$2,790,664	$1,310,185
2022	$4,064,238	$1,632,241	$2,203,097	$2,431,997
2021	$2,420,228	$2,538,214	$1,642,021	$-117,986
2020	$1,807,701	$1,942,124	$2,003,820	$-134,423
2018	$1,386,132	$1,457,178	$2,753,664	$-71,046

Idaho Housing Foundation