SUTTER COMMUNITY AFFORDABLE HOUSING INC (EIN 911849793) - 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

1997

Legal Domicile

Principal Officer

MANNY CARDOZA

Phone

5306710220

Tax Period

2024-04-01 to 2025-03-31

SUTTER COMMUNITY AFFORDABLE HOUSING INC, founded in 1997, is a small nonprofit in the Housing & Shelter sector that reported $500K in total revenue in fiscal year 2024. Revenue fell 31% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $109K, a strong 22% operating margin.

Mission

TO PROVIDE HOUSING FOR LOW INCOME FAMILIES AND ELDERLY AND HANDICAPPED PERSONS WHO CANNOT AFFORD DECENT, SAFE, AND SANITARY HOUSING.

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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 $216,197

Program Service Revenue $277,537

Investment Income $5,016

Other Revenue $1,547

TOTAL REVENUE $500,297

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,731

Fundraising Expenses $0

Program Expenses $359,910

Other Expenses $361,799

TOTAL EXPENSES $391,530

Year-over-Year Comparison

	2024	2023	Change
Revenue	$500,297	$728,570	-0.3%
Expenses	$391,530	$388,773	+0.0%
Net Income	$108,767	$339,797	-0.7%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MANNY CARDOZA	PRESIDENT	1.00	Officer Director	$0	$0	$0
KIMBERLY BUTCHER	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
GUSTAVO BECERRA	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
RICHARD GRANT	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY KURLAN	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA GRIESE	DIRECTOR	1.00	Director	$0	$0	$0
BRYNDA STRANIX	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE GALLTY	DIRECTOR	1.00	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	$500,297	$391,530	$2,383,345	$108,767
2024	$728,570	$388,773	$5,495,041	$339,797
2023	$452,367	$391,900	$2,141,331	$60,467
2022	$292,135	$375,342	$2,014,195	$-83,207
2021	$266,056	$356,037	$1,267,300	$-89,981
2020	$243,614	$349,582	$1,314,202	$-105,968
2019	$240,344	$320,217	$1,345,797	$-79,873

SUTTER COMMUNITY AFFORDABLE HOUSING INC