HOME BUILDERS ASSOCIATION OF THE CENTRAL COAST (EIN 770224118) - 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

1989

Legal Domicile

Principal Officer

MAX ZAPPAS

Phone

8055460418

Tax Period

2023-01-01 to 2023-12-31

HOME BUILDERS ASSOCIATION OF THE CENTRAL COAST, founded in 1989, is a small nonprofit that reported $245K in total revenue in fiscal year 2023. Expenses of $228K left a modest 7% surplus.

Mission

TRADE ASSOCIATION REPRESENTING THE BUILDING INDUSTRY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $211,242

Program Service Revenue $28,200

Investment Income $30

Other Revenue $5,815

TOTAL REVENUE $245,287

Expense Breakdown

Grants Paid $14,233

Salaries & Benefits $111,002

Fundraising Expenses $0

Other Expenses $103,138

TOTAL EXPENSES $228,373

Year-over-Year Comparison

	2023	2022	Change
Revenue	$245,287	$252,238	0.0%
Expenses	$228,373	$194,809	+0.2%
Net Income	$16,914	$57,429	-0.7%

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

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

$99,814

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MAX ZAPPAS	PRESIDENT	1.00	Officer Director	$0	$0	$0
JIM MORESCO	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
TAYLER SIMPSON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BRAD BRECHWALD	SECRETARY	1.00	Officer Director	$0	$0	$0
MIKE POYNTZ	TREASURER	1.00	Officer Director	$0	$0	$0
KOREY CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
CHUCK LARSON	DIRECTOR	1.00	Director	$0	$0	$0
CHANDLER MERIGAN	DIRECTOR	1.00	Director	$0	$0	$0
LIZ MOODY	DIRECTOR	1.00	Director	$0	$0	$0
GINA PERRAULT	DIRECTOR	1.00	Director	$0	$0	$0
LISA TOKE	DIRECTOR	1.00	Director	$0	$0	$0
TIM WALTERS	DIRECTOR	1.00	Director	$0	$0	$0
LINDY HATCHER	EXECUTIVE DIRECTOR	40.00	Officer	$91,515	$8,299	$99,814

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
2024	No data	No data	No data	No data
2023	$245,287	$228,373	$166,541	$16,914
2022	$252,238	$194,809	$151,528	$57,429
2021	$213,496	$170,083	$94,825	$43,413
2020	$206,659	$170,333	$49,466	$36,326
2019	$213,449	$213,902	$12,679	$-453
2018	$210,302	$216,156	$11,520	$-5,854

HOME BUILDERS ASSOCIATION OF THE CENTRAL COAST