HOUSING MATTERS (EIN 770126783) - 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

1986

Legal Domicile

Principal Officer

PHIL KRAMER

Phone

8314586020

Tax Period

2024-07-01 to 2025-06-30

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.

Mission

PROVIDE EMERGENCY AND TRANSITIONAL SERVICES TO HOMELESS INDIVIDUALS IN THE COUNTY OF SANTA CRUZ.

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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 $31,966,973

Program Service Revenue $369,178

Investment Income $96,953

Other Revenue $1,210,226

TOTAL REVENUE $33,643,330

Expense Breakdown

Grants Paid $4,118,069

Salaries & Benefits $9,780,814

Fundraising Expenses $1,369,948

Program Expenses $15,833,527

Other Expenses $5,481,813

TOTAL EXPENSES $19,380,696

Year-over-Year Comparison

	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%

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

157

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

$377,899

Total Directors

Key Employees

Highest Compensated

reported

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

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	$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

HOUSING MATTERS