4NYC HOUSING INC

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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

THOMAS YU

Phone

2124772265

Tax Period

2023-01-01 to 2023-12-31

4NYC HOUSING INC, founded in 2017, is a small nonprofit in the Housing & Shelter sector that reported $287K in total revenue in fiscal year 2023. Revenue fell 58% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $185K, a strong 64% operating margin.

Mission

THE PROJECT AS DESCRIBED AS A LOW INCOME AFFORDABLE HOUSING PROJECT. THE FACILITY WILL BE FUNDED THROUGH SOCIAL FINANCE SOCIAL IMPACT BONDS. A 100% OF THE FACILITIES ARE RENTED TO INDIVIDUALS MEETING SPECIFIC INCOME RESTRICTIONS. RECERTIFICATION AND PROOF OF ELIGIBILITY IS MADE ON ANNUAL BASIS.

Program Service Accomplishments

Program 1

Expenses: $102,724

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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 $287,232

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $287,232

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $102,724

Other Expenses $102,724

TOTAL EXPENSES $102,724

Year-over-Year Comparison

	2023	2022	Change
Revenue	$287,232	$689,000	-0.6%
Expenses	$102,724	$163,885	-0.4%
Net Income	$184,508	$525,115	-0.6%

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

N/A

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

$914,418

Total Directors

$693,827

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HSUEH LAM YAN	SECRETARY/TREASURER/DIR., ASSET & PROP. MGT	1.00	Officer Director	$0	$22,333	$200,614
THOMAS YU	PRESIDENT/ED	1.00	Officer Director	$0	$66,264	$345,309
MY T CHANG	VICE PRESIDENT/CHIEF OF STAFF	1.00	Officer Director	$0	$8,044	$147,904
JOY SUZANNE GRANADO	CFO	1.00	Officer	$0	$28,046	$220,591

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	No data	No data	No data	No data
2023	$287,232	$102,724	$2,446,953	$184,508
2022	$689,000	$163,885	$2,612,277	$525,115
2021	No data	$106,795	$3,568,114	No data
2020	$670	$68,923	$1,907,151	$-68,253
2019	No data	$80,589	$1,727,899	No data
2018	No data	$35,685	$1,449,785	No data