MHC CHULA VISTA NON-PROFIT HOUSING INC (EIN 860803859) - 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

1995

Legal Domicile

Principal Officer

GINGER GHARBIAH

Phone

5207921415

Tax Period

2024-07-01 to 2025-06-30

MHC CHULA VISTA NON-PROFIT HOUSING INC, founded in 1995, is a small nonprofit in the Housing & Shelter sector that reported $370K in total revenue in fiscal year 2024. Expenses of $461K exceeded revenue, resulting in a 25% operating deficit.

Mission

THE MISSION OF THE CORPORATION IS TO DEVELOP, PRESERVE, MANAGE, CONSTRUCT, ACQUIRE, RECONSTRUCT, RENOVATE, AND REPAIR LOW-INCOME SINGLE OR MULTI-FAMILY DWELLINGS WITHIN THE STATE OF ARIZONA, AND PRINCIPALLY, WITHIN PIMA COUNTY, ARIZONA.

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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 $116,232

Program Service Revenue $249,743

Investment Income $0

Other Revenue $4,361

TOTAL REVENUE $370,336

Expense Breakdown

Grants Paid $0

Salaries & Benefits $135,982

Fundraising Expenses $0

Program Expenses $319,783

Other Expenses $325,241

TOTAL EXPENSES $461,223

Year-over-Year Comparison

	2024	2023	Change
Revenue	$370,336	$371,790	0.0%
Expenses	$461,223	$335,227	+0.4%
Net Income	$-90,887	$36,563	-3.5%

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

$20,504

Total Directors

$20,504

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY BACHMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
GINGER GHARBIAH	EXECUTIVE DIRECTOR	1.00	Officer Director	$20,504	$0	$20,504

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	$370,336	$461,223	$723,334	$-90,887
2024	$371,790	$335,227	$808,096	$36,563
2023	$343,168	$363,334	$785,991	$-20,166
2022	$339,401	$351,161	$800,171	$-11,760
2021	$316,919	$320,099	$815,097	$-3,180
2020	$318,155	$295,405	$811,725	$22,750
2019	$299,639	$305,829	$790,063	$-6,190
2018	$287,036	$290,529	$808,878	$-3,493

MHC CHULA VISTA NON-PROFIT HOUSING INC