PPEP MICROBUSINESS AND HOUSING DEVELOPMENT (EIN 860326269) - 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

1977

Legal Domicile

Principal Officer

BARBARA CORONADO

Phone

5206223553

Tax Period

2022-07-01 to 2023-06-30

PPEP MICROBUSINESS AND HOUSING DEVELOPMENT, founded in 1977, is a community nonprofit in the Community Improvement sector that reported $1.9M in total revenue in fiscal year 2022. The organization ran a surplus of $677K, a strong 35% operating margin.

Mission

TO PROVIDE LOW INCOME HOUSING ASSISTANCE AND TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESSES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $1,380,155

Program Service Revenue $529,538

Investment Income $0

Other Revenue $32,081

TOTAL REVENUE $1,941,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $592,381

Fundraising Expenses $0

Program Expenses $1,087,519

Other Expenses $672,861

TOTAL EXPENSES $1,265,242

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,941,774	$1,851,050	+0.0%
Expenses	$1,265,242	$1,218,712	+0.0%
Net Income	$676,532	$632,338	+0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ENRIQUE SERNA	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
EDGAR GRANILLO	PRESIDENT	1.00	Officer Director	$0	$0	$0
RALPH VARELA	DIRECTOR	1.00	Director	$0	$0	$0
WALT PEARSON	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL JOHNSON	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN TORREZ CPA	DIRECTOR	1.00	Director	$0	$0	$0
PAM BOYER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN ARNOLD	CEO	5.00	Officer	$0	$0	$0
BARBARA CORONADO	COO	5.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$1,941,774	$1,265,242	$8,792,187	$676,532
2022	$1,851,050	$1,218,712	$8,159,149	$632,338
2021	$1,849,131	$973,587	$8,046,696	$875,544
2020	$1,345,831	$1,180,592	$7,617,335	$165,239
2019	$1,289,645	$743,803	$7,647,155	$545,842
2018	$931,192	$766,046	$6,056,616	$165,146

PPEP MICROBUSINESS AND HOUSING DEVELOPMENT