TENANTS AND OWNERS DEVELOPMENT CORP (EIN 942408519) - 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

1971

Legal Domicile

Principal Officer

ANNA YEE

Phone

4158961880

Tax Period

2023-07-01 to 2024-06-30

TENANTS AND OWNERS DEVELOPMENT CORP, founded in 1971, is a community nonprofit in the Housing & Shelter sector that reported $6.7M in total revenue in fiscal year 2023. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $7.7M exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING RESIDENT SERVICES AND COMMUNITY ADVOCACY FOR THE SOUTH OF MARKET NEIGHBORHOOD IN SAN FRANCISCO.

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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 $2,550,682

Program Service Revenue $3,605,900

Investment Income $577,817

Other Revenue $-79,150

TOTAL REVENUE $6,655,249

Expense Breakdown

Grants Paid $707,376

Salaries & Benefits $4,944,430

Fundraising Expenses $0

Program Expenses $3,933,235

Other Expenses $2,061,734

TOTAL EXPENSES $7,713,540

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,655,249	$5,545,664	+0.2%
Expenses	$7,713,540	$7,892,931	0.0%
Net Income	$-1,058,291	$-2,347,267	-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

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

$1,148,228

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALICIA DUKE	DIRECTOR	1.00	Director	$0	$0	$0
HENRY IZUMAZAKI-LEFT ON 11123	TREASURER	1.00	Officer Director	$0	$0	$0
APRIL CONCEPCION ANG	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
ALBERT GILBERT III	TREASURER	1.00	Officer Director	$0	$0	$0
DON FALK	SECRETARY	1.00	Officer Director	$0	$0	$0
DORA LEE	DIRECTOR	1.00	Director	$0	$0	$0
ALLAN MANALO	DIRECTOR	1.00	Director	$0	$0	$0
MISHA OLIVAS	DIRECTOR	1.00	Director	$0	$0	$0
DOUG ENGMANN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN ELBERLING	PRESIDENT	20.00	Officer	$314,178	$60,651	$374,829
HECTOR BURGOS	DIRECTOR OF HOUSING DEVELOPMENT	20.00	Officer	$219,851	$44,514	$264,365
ANNA YEE	CEO	20.00	Officer	$342,076	$29,861	$371,937
KAREN GANSEN	DIRECTOR OF FINANCE	40.00	Officer	$114,042	$23,055	$137,097
JONATHAN JACOBO	DIR. COMMUNITY DEVELOPMENT	40.00	Highest	$203,947	$17,306	$221,253
SHERRY R JONES	ARTS PROGRAM MANAGER	40.00	Highest	$147,985	$25,592	$173,577
PETRA IP	DIRECTOR OF RESIDENT LIFE	40.00	Highest	$145,795	$38,096	$183,891
SAN TRAN	SENIOR ACCOUNTANT	40.00	Highest	$143,029	$23,395	$166,424
VIRGINIA GRANDI	EXECUTIVE ASSISTANT	40.00	Highest	$142,764	$17,105	$159,869

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	No data	No data	No data	No data
2024	$6,655,249	$7,713,540	$42,681,244	$-1,058,291
2023	$5,545,664	$7,892,931	$43,790,318	$-2,347,267
2022	$5,766,741	$8,200,380	$46,025,302	$-2,433,639
2021	$6,135,958	$6,868,071	$48,654,589	$-732,113
2020	$6,680,347	$6,280,215	$49,742,272	$400,132
2019	$6,067,273	$4,549,590	$49,868,260	$1,517,683
2019	$6,067,273	$4,549,590	$49,868,260	$1,517,683
2018	$4,976,809	$4,506,195	$48,346,788	$470,614

TENANTS AND OWNERS DEVELOPMENT CORP