Housing Development for Southwest Colorado (EIN 841364169) - 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

1997

Legal Domicile

Principal Officer

Tammy Samora

Phone

9705653831

Tax Period

2023-01-01 to 2023-12-31

Housing Development for Southwest Colorado, founded in 1997, is a micro nonprofit in the Housing & Shelter sector that reported $70K in total revenue in fiscal year 2023. The organization ran a surplus of $51K, a strong 72% operating margin.

Mission

To provide opportunities for low income families to obtain housing.

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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 $7,963

Investment Income $62,063

Other Revenue $0

TOTAL REVENUE $70,026

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,828

Other Expenses $19,302

TOTAL EXPENSES $19,302

Year-over-Year Comparison

	2023	2022	Change
Revenue	$70,026	N/A	N/A
Expenses	$19,302	$16,795	+0.1%
Net Income	$50,724	$-16,795	-4.0%

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
Tammy Samora	Executive Dir.	0.00	Director	$0	$0	$0
Orly Lucero	Secretary	0.50	Director	$0	$0	$0
Darlene Floyd	Vice Chairman	0.50	Director	$0	$0	$0
Chris Ludington	Chairman	0.50	Director	$0	$0	$0
Jim Candelaria	Commissioner	0.50	Director	$0	$0	$0
Rebecca Fraley	Commissioner	0.50	Director	$0	$0	$0
Terri Wheeler	Executive Dir.	25.00	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
2023	$70,026	$19,302	$2,532,853	$50,724
2022	$74,279	$20,379	$2,481,167	$53,900
2021	$110,212	$23,173	$2,426,247	$87,039
2020	$69,465	$21,575	$2,394,287	$47,890
2019	$90,916	$22,604	$2,346,395	$68,312
2018	$61,348	$23,403	$2,278,083	$37,945
2017	$1,363,146	$18,196	$2,049,560	$1,344,950

Housing Development for Southwest Colorado