National Affordable Housing Network (EIN 810493044) - 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

1994

Legal Domicile

Phone

4067828579

Tax Period

2023-10-01 to 2024-09-30

National Affordable Housing Network, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $708K in total revenue in fiscal year 2023. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $626K left a modest 12% surplus.

Mission

The National Affordable Housing Network is a grass-roots, non-profit community development organization that operates in Southwest Montana and provides technical support for owner-builders and self-help home builders to rebuild their communities while building equity for families and children.

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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 $649,267

Program Service Revenue $0

Investment Income $1

Other Revenue $58,740

TOTAL REVENUE $708,008

Expense Breakdown

Grants Paid $0

Salaries & Benefits $424,365

Fundraising Expenses $0

Program Expenses $519,358

Other Expenses $201,932

TOTAL EXPENSES $626,297

Year-over-Year Comparison

	2023	2022	Change
Revenue	$708,008	$887,954	-0.2%
Expenses	$626,297	$454,478	+0.4%
Net Income	$81,711	$433,476	-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

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

$36,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Barbara Miller	Executive Dir.	40.00	Officer	$36,200	$0	$36,200
Meg Knox	Chairman	2.00	Officer Director	$0	$0	$0
George Everett	Vice President	2.00	Officer Director	$0	$0	$0
Debbie Best	Treasurer	2.00	Officer Director	$0	$0	$0
Mike Robins	Director	1.00	Director	$0	$0	$0
Daniel Hagan	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
2024	$708,008	$626,297	$4,321,068	$81,711
2023	$887,954	$454,478	$3,326,901	$433,476
2022	$1,043,264	$713,892	$3,529,780	$329,372
2021	$520,687	$489,405	$3,567,075	$31,282
2020	$823,673	$566,783	$3,968,392	$256,890
2019	$545,852	$616,653	$4,049,202	$-70,801
2018	$984,568	$689,230	$3,970,004	$295,338

National Affordable Housing Network