CLAY ROAD HOMEOWNERS ASSOCIATION INC co CREST MANAGMENT (EIN 760063127) - 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

1979

Legal Domicile

Phone

2815790761

Tax Period

2025-01-01 to 2025-12-31

CLAY ROAD HOMEOWNERS ASSOCIATION INC co CREST MANAGMENT, founded in 1979, is a small nonprofit in the Community Improvement sector that reported $362K in total revenue in fiscal year 2025. The organization ran a surplus of $63K, a strong 17% operating margin.

Mission

Civic & Social Welfare Organization - Promoting the common good and general welfare of the public and the community through the maintenance and management of the Association and the property, and providing services to the community.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $339,249

Investment Income $21,239

Other Revenue $1,070

TOTAL REVENUE $361,558

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $248,660

Other Expenses $298,470

TOTAL EXPENSES $298,470

Year-over-Year Comparison

	2025	2024	Change
Revenue	$361,558	$363,219	0.0%
Expenses	$298,470	$506,705	-0.4%
Net Income	$63,088	$-143,486	-1.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VALERIE BURNETT	Treasurer	5.00	Officer Director	$0	$0	$0
AMY DUKES	Vice President	5.00	Officer Director	$0	$0	$0
JAMES MANELY	Director	5.00	Director	$0	$0	$0
MICHAEL MCANELLY	Director	5.00	Director	$0	$0	$0
SEMALEE BILBREY	President	5.00	Officer 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	$361,558	$298,470	$856,192	$63,088
2024	$363,219	$506,705	$798,610	$-143,486
2023	$332,495	$464,935	$951,371	$-132,440
2022	$354,437	$201,092	$1,079,291	$153,345
2021	$351,861	$201,157	$926,815	$150,704
2020	$332,229	$346,640	$785,516	$-14,411
2019	$330,370	$261,824	$781,858	$68,546
2018	$331,751	$245,155	$712,059	$86,596

CLAY ROAD HOMEOWNERS ASSOCIATION INC co CREST MANAGMENT