EL RIO MOBILE HOME COOPERATIVE INC (EIN 770165284) - 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

1987

Legal Domicile

Principal Officer

SHELLY D'AMOUR

Phone

8314385725

Tax Period

2024-07-01 to 2025-06-30

EL RIO MOBILE HOME COOPERATIVE INC, founded in 1987, is a small nonprofit in the Housing & Shelter sector that reported $629K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $157K, a strong 25% operating margin.

Mission

TO PROVIDE AFFORDABLE HOME OWNERSHIP IN THE CITY 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 $552,067

Program Service Revenue $65,623

Investment Income $10,910

Other Revenue $0

TOTAL REVENUE $628,600

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,647

Fundraising Expenses $0

Program Expenses $390,684

Other Expenses $371,291

TOTAL EXPENSES $471,938

Year-over-Year Comparison

	2024	2023	Change
Revenue	$628,600	$559,035	+0.1%
Expenses	$471,938	$455,579	+0.0%
Net Income	$156,662	$103,456	+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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHELLY D'AMOUR	PRESIDENT	4.00	Officer Director	$0	$0	$0
MARILYN STRAYER	TREASURER	4.00	Officer Director	$0	$0	$0
CARLOS DYE	DIRECTOR	1.00	Director	$0	$0	$0
KATHARINE TROMBINO	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL LEVY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
KRISTA CORWIN	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN LITTLEJOHN	DIRECTOR	1.00	Director	$0	$0	$0
MARTI SPARROW	SECRETARY	2.00	Officer Director	$0	$0	$0
HANNAH FAIRBAIRN	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	$628,600	$471,938	$2,807,260	$156,662
2024	$559,035	$455,579	$2,781,731	$103,456
2023	$521,069	$436,731	$2,759,046	$84,338
2022	$511,643	$417,452	$2,719,367	$94,191
2021	$480,976	$387,715	$2,722,131	$93,261
2020	$592,971	$503,735	$2,641,144	$89,236
2019	$597,530	$472,365	$2,684,810	$125,165

EL RIO MOBILE HOME COOPERATIVE INC