USA HOUSING INC (EIN 800606360) - 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

2010

Legal Domicile

Principal Officer

SARAH ERON ARTHURS FERGIS

Phone

6027582524

Tax Period

2024-01-01 to 2024-12-31

USA HOUSING INC, founded in 2010, is a small nonprofit in the Housing & Shelter sector that reported $190K in total revenue in fiscal year 2024. Revenue fell 75% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $152K, a strong 80% operating margin.

Mission

TO PROVIDE ASSISTANCE IN SECURING GRANTS/LOANS AND DEVELOPING PROPERTY IN AN FEDERAL AFFORDABLE HOUSING PROGRAM.

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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 $0

Program Service Revenue $141,576

Investment Income $48,427

Other Revenue $0

TOTAL REVENUE $190,003

Expense Breakdown

Grants Paid $0

Salaries & Benefits $37,760

Fundraising Expenses $0

Program Expenses $37,810

Other Expenses $290

TOTAL EXPENSES $38,050

Year-over-Year Comparison

	2024	2023	Change
Revenue	$190,003	$765,123	-0.8%
Expenses	$38,050	$13,906	+1.7%
Net Income	$151,953	$751,217	-0.8%

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

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

$37,200

Total Directors

$37,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH ERON ARTHURS FERGIS	EXECUTIVE DIRECTOR/TREASURER	10.00	Officer Director	$37,200	$0	$37,200
ALFRED E BILLS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
TRICIA SALERNO	SECRETARY	1.00	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	$190,003	$38,050	$2,801,332	$151,953
2023	$215,823	$34,177	$265,228	$181,646
2022	$897	$34,053	$85,410	$-33,156
2021	$421	$68,520	$121,298	$-68,099
2020	$1,349	$66,312	$193,404	$-64,963
2019	$136,738	$44,064	$251,808	$92,674
2018	$815,913	$689,748	$156,862	$126,165

USA HOUSING INC