Homeownership Council of America (EIN 870798977) - 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

2006

Legal Domicile

Principal Officer

Gabriel Ewing del RIo III

Tax Period

2023-01-01 to 2023-12-31

Homeownership Council of America, founded in 2006, is a community nonprofit in the Human Services sector that reported $1.0M in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $395K, a strong 38% operating margin.

Mission

Build equitable access to homeownership for Americas underserved communities.

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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 $180,000

Program Service Revenue $823,600

Investment Income $23,242

Other Revenue $0

TOTAL REVENUE $1,026,842

Expense Breakdown

Grants Paid $0

Salaries & Benefits $428,395

Fundraising Expenses $0

Program Expenses $455,146

Other Expenses $203,151

TOTAL EXPENSES $631,546

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,026,842	$1,106,632	-0.1%
Expenses	$631,546	$447,219	+0.4%
Net Income	$395,296	$659,413	-0.4%

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

$183,163

Total Directors

$183,163

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gabriel Ewing del RIo III	President and CEO	40.00	Officer Director	$183,163	$0	$183,163
Steve OConnor	Director	1.00	Director	$0	$0	$0
Francis Baffour	Director	1.00	Director	$0	$0	$0
Maureen Schimmel	Director	1.00	Director	$0	$0	$0
Sara Morgan	Director	1.00	Director	$0	$0	$0
Clemente Mojica	Treasurer	1.00	Officer Director	$0	$0	$0
Yamila Ayad	Secretary	1.00	Officer 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
2023	$1,026,842	$631,546	$1,198,833	$395,296
2023	$1,026,842	$631,546	$1,198,833	$395,296
2022	$1,106,632	$447,219	$801,433	$659,413
2021	$458,659	$418,259	$50,790	$40,400
2021	$530,051	$418,259	$137,936	$111,792
2020	$289,360	$384,473	$8,382	$-95,113
2020	$305,114	$384,473	$24,136	$-79,359
2019	$291,815	$292,825	$136,346	$-1,010

Homeownership Council of America