PERSONAL AFFORDABLE LIVING 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

Principal Officer

DONALD CARVER

Phone

3034201637

Tax Period

2023-01-01 to 2023-12-31

PERSONAL AFFORDABLE LIVING INC is a small nonprofit in the Community Improvement sector that reported $474K in total revenue in fiscal year 2023. The organization ran a surplus of $401K, a strong 85% operating margin.

Mission

THE PRIMARY PURPOSE OF THE ORGANIZATION IS TO PROVIDE QUALITY AFFORDABLE COMMUNITY HOUSING FOR ADULTS WITH DEVELOPMENTAL DISABILITIES.

Program Service Accomplishments

Program 1

Expenses: $60,698

THE ORGANIZATION PROVIDED QUALITY AFFORDABLE HOUSING FOR ADULTS WITH DEVELOPMENTAL DISABILITIES.

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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 $0

Program Service Revenue $54,750

Investment Income $419,498

Other Revenue $0

TOTAL REVENUE $474,248

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,000

Fundraising Expenses $0

Program Expenses $60,698

Other Expenses $43,797

TOTAL EXPENSES $72,797

Year-over-Year Comparison

	2023	2022	Change
Revenue	$474,248	N/A	N/A
Expenses	$72,797	N/A	N/A
Net Income	$401,451	N/A	N/A

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

$16,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONALD CARVER	PRESIDENT/TR	10.00	Director	$16,800	$0	$16,800
RYAN CANTOR	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT COX	DIRECTOR	5.00	Director	$0	$0	$0
DEANNA CUSTER	DIRECTOR	20.00	Director	$0	$0	$0
LARRY NELSON	VICE-PRESIDE	5.00	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	No data	No data	No data	No data
2023	$474,248	$72,797	$457,586	$401,451