Fort Defiance Housing Corporation (EIN 861008290) - 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

1969

Legal Domicile

Principal Officer

Shelby Garcia

Phone

5058210193

Tax Period

2023-01-01 to 2023-12-31

Fort Defiance Housing Corporation, founded in 1969, is a community nonprofit in the Human Services sector that reported $5.5M in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $7.3M exceeded revenue, resulting in a 33% operating deficit.

Mission

Assisted low and middle income families with safe, healthy and affordable housing opportunities.

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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 $5,028,287

Investment Income $-115,428

Other Revenue $586,806

TOTAL REVENUE $5,499,665

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,073,213

Fundraising Expenses $0

Program Expenses $6,581,012

Other Expenses $5,218,932

TOTAL EXPENSES $7,292,145

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,499,665	$4,919,921	+0.1%
Expenses	$7,292,145	$7,484,955	0.0%
Net Income	$-1,792,480	$-2,565,034	-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

$124,523

Total Directors

$14,670

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Russell Tanzer	Board Chairman	1.00	Officer Director	$0	$0	$0
Starla Yellowman	Board Secretary	1.00	Officer Director	$1,750	$0	$1,750
David McLeod	Board Member	1.00	Director	$1,750	$0	$1,750
Tracy Alexis	Board Member	1.00	Director	$1,750	$0	$1,750
Timothy Begay	Board Member	1.00	Director	$9,420	$0	$9,420
Shelby Garcia	CEO	50.00	Officer	$91,595	$31,178	$122,773

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	$5,499,665	$7,292,145	$22,134,849	$-1,792,480
2022	$4,919,921	$7,484,955	$24,635,882	$-2,565,034
2021	$7,777,591	$7,258,623	$27,181,769	$518,968
2020	$4,455,060	$6,733,909	$29,790,713	$-2,278,849
2019	$4,494,064	$7,070,107	$32,315,845	$-2,576,043
2018	$4,353,391	$7,159,975	$35,231,495	$-2,806,584

Fort Defiance Housing Corporation