HOUSING TRUST SILICON VALLEY (EIN 770545135) - 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

2000

Legal Domicile

Principal Officer

ANTONIETA RAMOS

Phone

4087033837

Tax Period

2024-07-01 to 2025-06-30

HOUSING TRUST SILICON VALLEY, founded in 2000, is a mid-sized nonprofit in the Housing & Shelter sector that reported $56.3M in total revenue in fiscal year 2024. Revenue surged 241% from the prior year, signaling strong growth momentum. The organization ran a surplus of $42.6M, a strong 76% operating margin.

Mission

WE USE TRANSFORMATIVE HOUSING FINANCE AND PUBLIC AND PRIVATE PARTNERSHIPS TO CREATE MORE EQUITABLE AND AFFORDABLE COMMUNITIES.

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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 $42,711,903

Program Service Revenue $9,388,788

Investment Income $4,174,151

Other Revenue $15,662

TOTAL REVENUE $56,290,504

Expense Breakdown

Grants Paid $322,874

Salaries & Benefits $6,028,649

Fundraising Expenses $753,379

Program Expenses $9,722,405

Other Expenses $7,290,736

TOTAL EXPENSES $13,642,259

Year-over-Year Comparison

	2024	2023	Change
Revenue	$56,290,504	$16,521,006	+2.4%
Expenses	$13,642,259	$9,922,102	+0.4%
Net Income	$42,648,245	$6,598,904	+5.5%

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

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

$1,339,205

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA GUTIERREZ	CHAIR	4.00	Officer Director	$0	$0	$0
JONATHAN FEARN	FIRST/SECOND VICE CHAIR	1.00	Officer Director	$0	$0	$0
KEVIN DEEBLE	TREASURER	1.00	Officer Director	$0	$0	$0
SHARON LEE	SECRETARY	1.00	Officer Director	$0	$0	$0
JOE ANZALONE	DIRECTOR	1.00	Director	$0	$0	$0
JANA BARSTEN	DIRECTOR	1.00	Director	$0	$0	$0
MIKE BEASLEY	DIRECTOR	1.00	Director	$0	$0	$0
TATIANA BLANK	DIRECTOR	1.00	Director	$0	$0	$0
EMILY DE LA GUERRA	DIRECTOR	1.00	Director	$0	$0	$0
KATIE FERRICK	DIRECTOR	1.00	Director	$0	$0	$0
FIONA HSU	DIRECTOR	1.00	Director	$0	$0	$0
WELTON JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
MEG MCGRAW-SCHERER	DIRECTOR	1.00	Director	$0	$0	$0
SINDY SPIVAK	DIRECTOR	1.00	Director	$0	$0	$0
TIM STEELE	DIRECTOR	1.00	Director	$0	$0	$0
DANA STRANZ	DIRECTOR	1.00	Director	$0	$0	$0
AHMAD THOMAS	DIRECTOR	1.00	Director	$0	$0	$0
ANTONIETA RAMOS	CHIEF EXECUTIVE OFFICER	40.00	Officer	$444,324	$21,095	$465,419
JULIE QUINN	CHIEF PROGRAM & IMPACT OFFICER	40.00	Officer	$242,026	$31,325	$273,351
NAZMIN BISHOP	CHIEF DEV. & COM. OFF. (UNTIL 10/24)	40.00	Officer	$194,267	$36,122	$230,389
JULIE MAHOWALD	CFO & HEAD OF P'SHIPS & STRATEGY	40.00	Officer	$333,938	$36,108	$370,046
SEAN CALLUM	CHIEF CREDIT & RISK OFF. (BEG 01/25)	40.00	Officer	$0	$0	$0
NICHOLAS FRIEND	CHIEF LENDING OFF. (BEG 02/25)	40.00	Officer	$0	$0	$0
STEPHANEY KIPPLE	MULTIFAMILY LENDING MANAGER	40.00	Highest	$189,917	$16,739	$206,656
MARTHA LOPEZ	MANAGER, LOAN ADMIN	40.00	Highest	$148,601	$25,692	$174,293
VIVIAN VO	ACCOUNTING MANAGER	40.00	Highest	$159,231	$12,003	$171,234
BRENT MALLOY	CONTROLLER	40.00	Highest	$156,285	$39,054	$195,339
GUADALUPE DE LOURDES MEDINA MENDEZ	HUMAN RESOURCES DIRECTOR	40.00	Highest	$200,888	$21,285	$222,173
FATHIA MACAULEY	FORMER CHIEF LENDING OFFICER	40.00		$201,693	$19,405	$221,098

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	$56,290,504	$13,642,259	$313,661,440	$42,648,245
2024	$16,521,006	$9,922,102	$276,529,893	$6,598,904
2023	$23,027,841	$8,717,922	$244,644,739	$14,309,919
2022	$26,012,346	$20,047,859	$240,898,899	$5,964,487
2021	$21,448,557	$7,260,732	$250,989,111	$14,187,825
2020	$24,483,819	$9,602,863	$223,956,871	$14,880,956
2019	$14,912,402	$6,897,919	$166,578,851	$8,014,483
2018	$13,257,888	$4,526,462	$120,047,627	$8,731,426

HOUSING TRUST SILICON VALLEY