TCHFH LENDING INC (EIN 811958719) - 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

2016

Legal Domicile

Principal Officer

ROBYN BIPES-TIMM

Phone

6512071700

Tax Period

2024-07-01 to 2025-06-30

TCHFH LENDING INC, founded in 2016, is a mid-sized nonprofit that reported $11.3M in total revenue in fiscal year 2024. Revenue surged 112% from the prior year, signaling strong growth momentum. The organization ran a surplus of $6.6M, a strong 59% operating margin.

Mission

PROVIDING AFFORDABLE HOME MORTGAGES TO HELP THE UNDERSERVED ATTAIN HOMEOWNERSHIP

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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 $9,737,196

Program Service Revenue $1,305,676

Investment Income $194,521

Other Revenue $14,098

TOTAL REVENUE $11,251,491

Expense Breakdown

Grants Paid $2,625,836

Salaries & Benefits $1,224,792

Fundraising Expenses $0

Program Expenses $4,259,238

Other Expenses $809,362

TOTAL EXPENSES $4,659,990

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,251,491	$5,304,661	+1.1%
Expenses	$4,659,990	$3,480,711	+0.3%
Net Income	$6,591,501	$1,823,950	+2.6%

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

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

$561,467

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DELINDA WASHINGTON	BOARD CHAIR	0.50	Officer Director	$0	$0	$0
JONATHAN SAGE-MARTINSON	BOARD VICE CHAIR	0.50	Officer Director	$0	$0	$0
ERIC SKALLAND	DIRECTOR	0.50	Director	$0	$0	$0
ANNE BEHRENDT	DIRECTOR	0.50	Director	$0	$0	$0
BRANDON BERG	DIRECTOR	0.50	Director	$0	$0	$0
SCOTT HIETPAS	DIRECTOR	0.50	Director	$0	$0	$0
BRUCE PARADIS	DIRECTOR	0.50	Director	$0	$0	$0
KIRSTIN BURCH	DIRECTOR	0.50	Director	$0	$0	$0
NICKI DONLON	DIRECTOR	0.50	Director	$0	$0	$0
DEVON POHLMAN	DIRECTOR	0.50	Director	$0	$0	$0
ROBYN BIPES-TIMM	PRESIDENT	6.00	Officer	$0	$69,092	$352,646
BETSY MILLS	SECRETARY	16.00	Officer	$0	$55,433	$208,821

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	$11,251,491	$4,659,990	$19,881,588	$6,591,501
2024	$5,304,661	$3,480,711	$11,409,917	$1,823,950
2023	$2,466,684	$1,723,538	$9,939,150	$743,146
2022	$2,448,749	$1,272,650	$7,779,735	$1,176,099
2021	$899,815	$920,457	$5,329,123	$-20,642
2020	$1,217,535	$1,070,852	$4,605,810	$146,683
2019	$1,104,416	$944,416	$6,467,468	$160,000

TCHFH LENDING INC