CROSS TIMBER HOMES (EIN 821120391) - 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

2017

Legal Domicile

Principal Officer

R SPENCER LEWIS

Phone

2105681764

Tax Period

2024-01-01 to 2024-12-31

CROSS TIMBER HOMES, founded in 2017, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 114% from the prior year, signaling strong growth momentum. Expenses of $1.4M left a modest 8% surplus.

Mission

A NON-PROFIT ECUMENICAL CHRISTIAN ORGANIZATION DEDICATED TO PROVIDING HIGH QUALITY SINGLE-FAMILY HOMES THAT ARE AFFORDABLE FOR SAN ANTONIO'S HARD WORKING LOW AND MODERATE INCOME FAMILIES AND COMBATTING COMMUNITY DETERIORATION BY REINVESTING IN DISTRESSED NEIGHBORHOODS.

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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 $324,998

Program Service Revenue $1,156,783

Investment Income $383

Other Revenue $0

TOTAL REVENUE $1,482,164

Expense Breakdown

Grants Paid $10,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,325,523

Other Expenses $1,347,641

TOTAL EXPENSES $1,357,641

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,482,164	$692,327	+1.1%
Expenses	$1,357,641	$704,659	+0.9%
Net Income	$124,523	$-12,332	-11.1%

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
KATHERINE E DAVID	CHAIR	1.00	Officer Director	$0	$0	$0
SPENCER LEWIS	Treasurer	1.00	Officer Director	$0	$0	$0
O RENE DIAZ	VICE CH. & SEC.	1.00	Officer Director	$0	$0	$0
SUSAN ABLAYA	CFO	10.00	Officer	$0	$0	$0
MICHAEL TAYLOR	Executive Dir.	10.00	Officer	$0	$0	$0
MADELEINE MENDEZ	Executive Dir.	10.00	Officer	$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	$1,482,164	$1,357,641	$728,443	$124,523
2023	$692,327	$704,659	$614,242	$-12,332
2022	$977,708	$1,057,709	$612,247	$-80,001
2021	$2,122,604	$1,929,356	$1,096,376	$193,248
2020	$2,372,633	$2,104,092	$842,767	$268,541
2019	$993,665	$991,489	$683,804	$2,176
2018	$1,232,996	$1,005,119	$307,456	$227,877

CROSS TIMBER HOMES