LIVERMORE AFFORDABLE HOUSING (EIN 863004558) - 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

2021

Legal Domicile

Principal Officer

SARAH RAMLER

Phone

9254473600

Tax Period

2024-07-01 to 2025-06-30

LIVERMORE AFFORDABLE HOUSING, founded in 2021, is a community nonprofit in the Housing & Shelter sector that reported $3.7M in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.7M, a strong 44% operating margin.

Mission

THE LIVERMORE AFFORDABLE HOUSING IS COMMITTED TO LEADING LIVERMORE'S EFFORTS TO PROVIDE AFFORDABLE HOUSING FOR LOW-INCOME HOUSEHOLDS.

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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 $2,579,965

Program Service Revenue $1,099,518

Investment Income $35,109

Other Revenue $9,900

TOTAL REVENUE $3,724,492

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,067,395

Other Expenses $2,067,396

TOTAL EXPENSES $2,067,396

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,724,492	$4,695,575	-0.2%
Expenses	$2,067,396	$1,641,432	+0.3%
Net Income	$1,657,096	$3,054,143	-0.5%

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

N/A

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

$235,233

Total Directors

$235,233

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH RAMLER	CEO/PRESIDENT	0.50	Officer Director	$0	$18,694	$235,233
JENNY KING	CFO/TREASURER	0.50	Officer Director	$0	$0	$0
MARVIN EVANS	DIRECTOR	0.50	Director	$0	$0	$0
MARK PALAJAC	DIRECTOR	0.50	Director	$0	$0	$0
PARAG VAISHAMAYAN	DIRECTOR	0.50	Director	$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	$3,724,492	$2,067,396	$4,842,355	$1,657,096
2024	No data	No data	No data	No data

LIVERMORE AFFORDABLE HOUSING