NEIGHBORWORKS CAPITAL CORPORATION

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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

2000

Legal Domicile

Principal Officer

JAMES PEFFLEY

Phone

2408211651

Tax Period

2025-01-01 to 2025-12-31

NEIGHBORWORKS CAPITAL CORPORATION, founded in 2000, is a mid-sized nonprofit in the Housing & Shelter sector that reported $11.4M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. The organization ran a surplus of $3.3M, a strong 28% operating margin.

Mission

NEIGHBORWORKS CAPITAL DELIVERS THE FLEXIBLE CAPITAL NEEDED BY NEIGHBORWORKS AMERICA AFFILIATES TO PROVIDE AFFORDABLE HOMES AND STRENGTHEN COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $6,244,923 Revenue: $6,455,993

PROVIDING FINANCING FOR THE ACQUISITION, DEVELOPMENT, AND REHABILITATION OF AFFORDABLE HOMES FOR SALE, RENTAL AND COMMERCIAL PROJECTS.

Program 2

Revenue: $62,252

NEIGHBORWORKS CAPITAL ALSO PROVIDES CONSULTING SERVICES FOR NEIGHBORWORKS AMERICA MEMBER ORGANIZATIONS AND OTHER ORGANIZATIONS WITHIN THE AFFORDABLE HOUSING INDUSTRY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $3,350,099

Program Service Revenue $6,518,245

Investment Income $1,574,886

Other Revenue $0

TOTAL REVENUE $11,443,230

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,788,645

Fundraising Expenses $465,524

Program Expenses $6,244,923

Other Expenses $3,400,027

TOTAL EXPENSES $8,188,672

Year-over-Year Comparison

	2025	2024	Change
Revenue	$11,443,230	$12,419,694	-0.1%
Expenses	$8,188,672	$7,599,830	+0.1%
Net Income	$3,254,558	$4,819,864	-0.3%

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

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

$759,751

Total Directors

Key Employees

$805,702

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSA RIOS VALDEZ	PRESIDENT (UNTIL 4/25)	1.00	Officer Director	$0	$0	$0
MEGAN TEARE	VICE CHAIR & SECRETARY	1.00	Officer Director	$0	$0	$0
CAROLINE HORTON	TREAS (UNTIL 4/25)/PRES (FROM 5/25)	1.00	Officer Director	$0	$0	$0
ANDY MADEIRA	OUTGOING (UNTIL 5/25)	1.00	Director	$0	$0	$0
CHARLOTTE CROW	TREASURER (FROM 5/25)	1.00	Officer Director	$0	$0	$0
EILEEN NEELY	DIRECTOR	1.00	Director	$0	$0	$0
EMMANUEL KINARD	DIRECTOR	1.00	Director	$0	$0	$0
FRED DODSON JR	DIRECTOR	1.00	Director	$0	$0	$0
GRACE CHIONUMA	DIRECTOR	1.00	Director	$0	$0	$0
JEFF REED	DIRECTOR	1.00	Director	$0	$0	$0
LAURA MEADOWS	DIRECTOR	1.00	Director	$0	$0	$0
LEAH EVANS	DIRECTOR	1.00	Director	$0	$0	$0
TATIANA BLANK	DIRECTOR	1.00	Director	$0	$0	$0
BILL MCKINNEY	DIRECTOR	1.00	Director	$0	$0	$0
LIZETH SERVIN	DIRECTOR	1.00	Director	$0	$0	$0
JAMES M PEFFLEY	CHIEF EXECUTIVE OFFICER	38.00	Officer	$381,006	$54,873	$435,879
MATTHIAS GLATTING	CHIEF FINANCIAL OFFICER	38.00	Officer	$305,540	$18,332	$323,872
ELIZABETH O'LEARY	CHIEF PORTFOLIO OFFICER	38.00	Key Emp	$258,681	$15,521	$274,202
NANCY WAGNER-HISLIP	CHIEF OF CONSULTING	38.00	Key Emp	$248,833	$33,483	$282,316
LAURA E ALTOMARE	CHIEF GROWTH OFFICER	38.00	Key Emp	$213,790	$35,394	$249,184
BRENT BOZMAN	CONTROLLER	38.00	Highest	$186,406	$11,941	$198,347
JARROD BRENNET	DIRECTOR OF PORTFOLIO MANAGEMENT	38.00	Highest	$169,165	$17,689	$186,854
LANIE WASSERMAN	DIRECTOR OF LENDING	38.00	Highest	$182,099	$35,411	$217,510
EBONY L PERKINS	MANAGING DIRECTOR	38.00	Highest	$187,527	$19,618	$207,145
MICHAEL HAAS	SENIOR LOAN OFFICER	38.00	Highest	$162,323	$26,480	$188,803
STEPHEN J PEELOR	FORMER CHIEF LENDING OFFICER	38.00		$121,107	$7,803	$128,910

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	$11,443,230	$8,188,672	$133,617,545	$3,254,558
2024	$12,419,694	$7,599,830	$134,664,520	$4,819,864
2023	$11,430,153	$6,119,817	$133,083,719	$5,310,336
2022	$8,857,507	$4,991,061	$108,230,565	$3,866,446
2021	$10,287,510	$4,769,343	$106,804,353	$5,518,167
2020	$8,324,975	$8,149,851	$106,269,065	$175,124
2019	$7,710,425	$4,884,844	$101,967,537	$2,825,581
2018	$6,771,028	$4,043,597	$86,011,852	$2,727,431