UMPQUA COMMUNITY DEVELOPMENT CORP

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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

1991

Legal Domicile

Principal Officer

ERICA MILLS

Phone

5416734909

Tax Period

2023-01-01 to 2023-12-31

UMPQUA COMMUNITY DEVELOPMENT CORP, founded in 1991, is a community nonprofit in the Housing & Shelter sector that reported $9.3M in total revenue in fiscal year 2023. Revenue surged 51% from the prior year, signaling strong growth momentum. Net assets of $28.7M represent 37 months of operating reserves.

Mission

PROVIDE A FORUM FOR THE SHARING OF INFORMATION, EXPERIENCE, AND PERSPECTIVE CONCERNING PUBLIC AND PRIVATE HOUSING WITHIN THE STATE OF OREGON AND PARTICIPATE WITH LOCAL, PUBLIC, AND PRIVATE PARTNERSHIPS IN THE CREATION OF AFFORDABLE HOUSING AND COMMUNITY BASED ECONOMIC DEVELOPMENT

Program Service Accomplishments

Program 1

Expenses: $7,283,288 Revenue: $3,470,206

PROVISION OF AFFORDABLE HOUSING, ASSET MANAGEMENT, AND RESIDENT SERVICES WITHIN A PORTFOLIO OF RENTAL PROPERTIES.

Program 2

Expenses: $360,893 Revenue: $163,400

DREAMSAVERS GRANT-MATCH PROGRAM FOR QUALIFYING INDIVIDUALS FOR LOW INCOME SAVINGS. DURING 2023, 192 INDIVIDUALS WERE SERVED BY THIS PROGRAM.

Program 3

Expenses: $521,710 Revenue: $521,710

THE COMMUNITY BLOCK DEVELOPMENT GRANT PROGRAM PROVIDES GRANTS TO COMMUNITIES TO HELP WITH VARIOUS NEEDS, SUCH AS HOME REPAIRS FOR LOW AND MODERATE INCOME INDIVIDUALS.

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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 $5,000,290

Program Service Revenue $4,056,272

Investment Income $188,056

Other Revenue $99,044

TOTAL REVENUE $9,343,662

Expense Breakdown

Grants Paid $919,812

Salaries & Benefits $2,615,552

Fundraising Expenses $0

Program Expenses $8,165,891

Other Expenses $5,642,038

TOTAL EXPENSES $9,177,402

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,343,662	$6,192,979	+0.5%
Expenses	$9,177,402	$8,851,435	+0.0%
Net Income	$166,260	$-2,658,456	-1.1%

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

$164,302

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELENA LININGER	CHAIR	1.00	Officer Director	$0	$0	$0
JACOB WINN	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE LOOSLEY	TREASUER	1.00	Officer Director	$0	$0	$0
DEB LIGHTCAP	SECRETARY	1.00	Officer Director	$0	$0	$0
BRITTANY WEERHEIM	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DAWN MILLS	BOARD MEMBER	1.00	Director	$0	$0	$0
ADAM ADAMSON	BOARD MEMBER	1.00	Director	$0	$0	$0
MARAJAN COESTER	BOARD MEMBER	1.00	Director	$0	$0	$0
ERICA MILLS	CEO	35.00	Officer	$137,308	$26,994	$164,302

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	$9,343,662	$9,177,402	$42,761,395	$166,260
2022	$6,192,979	$8,851,435	$51,410,009	$-2,658,456
2021	$9,776,284	$11,938,892	$52,044,965	$-2,162,608
2020	$6,861,056	$9,463,160	$60,972,595	$-2,602,104
2019	$9,331,626	$11,133,665	$54,417,112	$-1,802,039
2018	$8,772,691	$9,071,354	$52,067,822	$-298,663