SAN BENITO COUNTY LOW INCOME HOUSING CORPORATION (EIN 770398310) - 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

1995

Legal Domicile

Principal Officer

PAUL CHAVEZ

Phone

6618236122

Tax Period

2023-01-01 to 2023-12-31

SAN BENITO COUNTY LOW INCOME HOUSING CORPORATION, founded in 1995, is a community nonprofit in the Housing & Shelter sector that reported $1.0M in total revenue in fiscal year 2023. Net assets of $4.3M represent 51 months of operating reserves.

Mission

THE ORGANIZATION'S PRIMARY EXEMPT PURPOSE IS TO PROVIDE DECENT, AFFORDABLE HOUSING TO LOW-INCOME INDIVIDUALS AND FAMILIES.

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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 $0

Program Service Revenue $1,010,939

Investment Income $5,805

Other Revenue $0

TOTAL REVENUE $1,016,744

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,502

Fundraising Expenses $0

Program Expenses $1,050,673

Other Expenses $1,000,426

TOTAL EXPENSES $1,073,928

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,016,744	$998,048	+0.0%
Expenses	$1,073,928	$1,064,405	+0.0%
Net Income	$-57,184	$-66,357	-0.1%

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

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
MANUEL BERNAL	TREASURER	N/A	Director	$0	$0	$0
PAUL CHAVEZ	PRES., DIREC	N/A	Officer Director	$0	$0	$0
PAUL PARK	SECT., DIREC	N/A	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
2024	No data	No data	No data	No data
2023	$1,016,744	$1,073,928	$4,636,269	$-57,184
2022	$998,048	$1,064,405	$4,519,095	$-66,357
2021	$1,018,242	$1,038,118	$4,517,285	$-19,876
2020	$974,574	$969,392	$4,532,941	$5,182
2019	$972,433	$1,041,846	$4,522,448	$-69,413
2018	$974,614	$1,153,593	$4,665,209	$-178,979

SAN BENITO COUNTY LOW INCOME HOUSING CORPORATION