THE YAMHILL COUNTY AFFORDABLE HOUS… - Form 990 Financial Data

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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

2001

Legal Domicile

Principal Officer

VICKIE YBARGUEN

Phone

5038834300

Tax Period

2023-10-01 to 2024-09-30

THE YAMHILL COUNTY AFFORDABLE HOUSING CORPORATION, founded in 2001, is a small nonprofit in the Housing & Shelter sector that reported $225K in total revenue in fiscal year 2023. Revenue surged 363% from the prior year, signaling strong growth momentum. The organization ran a surplus of $127K, a strong 56% operating margin.

Mission

THE YAMHILL COUNTY AFFORDABLE HOUSING CORPORATION (YCAHC) IS A NONPROFIT ORGANIZATION FORMED TO ACT AS THE AGENT FOR ADMINISTERING AND MANAGING FUNDS COVERED BY THE OREGON COMMUNITY DEVELOPMENT BLOCK GRANTS. GRANT FUNDS ARE LOANED TO LOW AND MODERATE INCOME RESIDENTS TO REHABILITATE THEIR HOUSING. YCAHC MAY USE REPAID LOAN FUNDS TO PURCHASE, REHABILITATE, AND SELL HOUSING TO LOW TO MODERATE INCOME CITIZENS.

Program Service Accomplishments

Program 1

Expenses: $78,662 Revenue: $96,487

SERVICED EXISTING LOANS AND MADE AND SERVICED NEW LOANS FOR A TOTAL ENDING BALANCE OF $2,681,786. LOANS ARE TO REHABILITATE AND CONSERVE HOUSING OF LOW OR MODERATE INCOME RESIDENTS. THE ORGANIZATION HAS ALSO PURCHASED HOUSES IN YAMHILL COUNTY WITH DEFEDERALIZED FUNDS WITH THE INTENT TO REHABILITATE AND SELL THE HOUSES TO PARTICIPANTS IN THE HOUSING AUTHORITY OF YAMHILL COUNTY'S FAMILY SELF-SUFFICIENCY PROGRAM. AS OF SEPTEMBER 30, 2024 THE CONSTRUCTION IN PROGRESS TOTALED $105,575.

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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 $73,815

Program Service Revenue $0

Investment Income $151,220

Other Revenue $65

TOTAL REVENUE $225,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $78,662

Other Expenses $97,952

TOTAL EXPENSES $97,952

Year-over-Year Comparison

	2023	2022	Change
Revenue	$225,100	$48,640	+3.6%
Expenses	$97,952	$43,110	+1.3%
Net Income	$127,148	$5,530	+22.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HEATHER RICHARDS	PRESIDENT	0.20	Officer Director	$0	$0	$0
KEN HUFFER	DIRECTOR	0.20	Director	$0	$0	$0
HEIDI BELL	DIRECTOR	0.20	Director	$0	$0	$0
NATHAN FRARCK	DIRECTOR	0.20	Director	$0	$0	$0
CYNDI PARK	SECRETARY/TREASURER	0.20	Officer Director	$0	$0	$0
BRIDGET MENELEY	DIRECTOR	0.20	Director	$0	$0	$0
ANGELA FOWLER	DIRECTOR	0.20	Director	$0	$0	$0
CLAY DOWNING	VICE PRESIDENT	0.20	Officer Director	$0	$0	$0
DOUG RUX	VICE PRESIDENT (THROUGH OCT)	0.20	Officer Director	$0	$0	$0
VICKIE YBARGUEN	EXECUTIVE DIRECTOR	0.20	Officer	$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
2024	$225,100	$97,952	$4,103,779	$127,148
2023	$48,640	$43,110	$4,094,270	$5,530
2022	$132,794	$143,952	$4,151,782	$-11,158
2021	$208,327	$152,709	$4,217,706	$55,618
2020	$149,776	$84,711	$4,122,358	$65,065
2019	$137,223	$110,305	$4,078,496	$26,918
2018	$144,022	$160,794	$4,135,440	$-16,772

THE YAMHILL COUNTY AFFORDABLE HOUSING CORPORATION