SANTA CRUZ, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)HOUSING MATTERS, founded in 1986, is a mid-sized nonprofit that reported $33.6M in total revenue in fiscal year 2024. Revenue surged 131% from the prior year, signaling strong growth momentum. The organization ran a surplus of $14.3M, a strong 42% operating margin.
PROVIDE EMERGENCY AND TRANSITIONAL SERVICES TO HOMELESS INDIVIDUALS IN THE COUNTY OF SANTA CRUZ.
Founded in 1986, Housing Matters is a 501(c)3 nonprofit organization that partners with individuals and families in Santa Cruz County to create pathways out of their homelessness into permanent...
Founded in 1986, Housing Matters is a 501(c)3 nonprofit organization that partners with individuals and families in Santa Cruz County to create pathways out of their homelessness into permanent housing. We hold firmly to a vision that homelessness in Santa Cruz County should be rare, brief, and non-recurring. We are committed to providing programs based on Housing First practices. Housing First is a recovery-oriented, data-driven approach that centers on quickly moving people experiencing homelessness into independent and permanent housing and providing additional support and services as needed. By utilizing evidence-based practices, Housing Matters is successfully exceeding goals in housing some of the most vulnerable populations in the county.Housing Matters provides a continuum of services through the following programs:1.The Loft Emergency Shelter (the Loft) provides emergency shelter to up to 57 people nightly.2.Rebele Family Shelter (RFS) provides emergency shelter to families with children and provides stable shelter to 28 families (up to 90 individuals) at any given time.3.The Recuperative Care Center (RCC) is a 35 bed medical respite shelter operated in partnership with Santa Cruz County's Homeless Persons Health Project and several local healthcare organizations.4.Supportive Services and Housing Navigation programs connect individuals and families with appropriate housing solutions and provide after-housing services to support long-term housing success.5.Casa Azul is a permanent supportive housing program with seven units, providing stable housing and wraparound services for individuals who have experienced chronic homelessness.Housing Matters' campus provides a restorative experience with access to on-site medical, dental, and mental health care through our partners: Santa Cruz County's Homeless Persons Health Project and Dientes. During the fiscal year ending June 30, 2025, we served 3857 individuals through a variety of programs. We provided over 57,703 bed nights, served 64,246 meals, sheltered 471 people, helped 479 people find permanent housing, and provided case management and supportive services to 1372 people through a variety of programs.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $33,643,330 | $14,547,607 | +1.3% |
| Expenses | $19,380,696 | $16,393,524 | +0.2% |
| Net Income | $14,262,634 | $-1,845,917 | -8.7% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| PHIL KRAMER | CEO | 40.00 |
Officer
|
$208,862 | $23,563 | $232,425 |
| THOMAS STAGG | CHIEF INITIAT. OFF | 40.00 |
|
$173,857 | $14,139 | $187,996 |
| MER STAFFORD | CHIEF IMPACT OFF | 40.00 |
|
$152,290 | $24,433 | $176,723 |
| JANE BENTHIN-STOKES | CAO | 40.00 |
Officer
|
$139,231 | $6,243 | $145,474 |
| DON LANE | President | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| RAY BRAMSON | Vice President | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| SUSAN PHOENIX MACKINNON | Secretary | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| TOM GILL | Treasurer | 2.00 |
Officer
Director
|
$0 | $0 | $0 |
| RON SLACK | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| MARY LOU GOEKE | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| YANA JACOBS | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| MARTINA O'SULLIVAN | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| MAGGIE MCKAY | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| LAURA MARCUS | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| BOB KEET | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| MATT MOHAMED | Director | 2.00 |
Director
|
$0 | $0 | $0 |
| JOHN DIETZ | EMERITUS DIR. | 2.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $33,643,330 | $19,380,696 | $47,631,532 | $14,262,634 |
| 2024 | No data | No data | No data | No data |
| 2023 | $18,643,633 | $12,975,290 | $30,572,541 | $5,668,343 |
| 2022 | $11,774,972 | $10,357,388 | $20,390,844 | $1,417,584 |
| 2021 | $18,340,191 | $7,930,153 | $19,917,319 | $10,410,038 |
| 2020 | $6,118,458 | $6,053,469 | $8,374,250 | $64,989 |
| 2018 | $5,215,948 | $5,550,831 | $6,708,451 | $-334,883 |
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