CENTRAL DELAWARE HOUSING COLLABORATIVE INC (EIN 830589199) - 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

2018

Legal Domicile

Principal Officer

LARRY MERCHANT CHAIR

Phone

3025357676

Tax Period

2024-07-01 to 2025-06-30

CENTRAL DELAWARE HOUSING COLLABORATIVE INC, founded in 2018, is a small nonprofit in the Housing & Shelter sector that reported $375K in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $333K left a modest 11% surplus.

Mission

TO HELP LOW INCOME AND HOMELESS WOMAN AND FAMILIES FIND SHELTER AND SECURE HOUSING IN CENTRAL DELAWARE.

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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 $315,701

Program Service Revenue $58,881

Investment Income $0

Other Revenue $0

TOTAL REVENUE $374,582

Expense Breakdown

Grants Paid $0

Salaries & Benefits $205,564

Fundraising Expenses $9,700

Program Expenses $311,945

Other Expenses $117,924

TOTAL EXPENSES $333,188

Year-over-Year Comparison

	2024	2023	Change
Revenue	$374,582	$548,616	-0.3%
Expenses	$333,188	$317,922	+0.0%
Net Income	$41,394	$230,694	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY MERCHANT	CHAIR	10.00	Officer Director	$0	$0	$0
PAULETTE WINKFIELD	VICE CHAIR	2.00	Director	$0	$0	$0
PATRICIA KELLEHER	BOARD MEMBER	2.00	Director	$0	$0	$0
PHYLLIS COLLINS	BOARD MEMBER	2.00	Director	$0	$0	$0
HERB KONOWITZ	BOARD MEMBER	1.00	Director	$0	$0	$0
CRISTAL BRENNEMEN	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBBIE HARRINGTON	BOARD MEMBER	2.00	Director	$0	$0	$0
TERRANT MORRISON	PROJECT MANAGER	0.00	Director	$0	$0	$0
LINDA BAZEMORE	ADULT PROTECTIVE SERVICES SUPERVISO	0.00	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
2025	$374,582	$333,188	$964,390	$41,394
2025	$374,582	$333,188	$964,390	$41,394
2025	$406,333	$333,188	$996,141	$73,145
2024	$548,616	$317,922	$933,137	$230,694
2023	$419,416	$283,417	$694,285	$135,999
2022	$175,940	$184,187	$587,101	$-8,247
2021	$60,519	$149,302	$598,153	$-88,783
2020	$277,660	$4,310	$497,564	$273,350

CENTRAL DELAWARE HOUSING COLLABORATIVE INC