ROSS VALLEY ECUMENICAL HOUSING ASSOCIATION (EIN 942444073) - 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

1982

Legal Domicile

Principal Officer

ALAN CASCIO

Phone

4154575633

Tax Period

2023-01-01 to 2023-12-31

ROSS VALLEY ECUMENICAL HOUSING ASSOCIATION, founded in 1982, is a small nonprofit in the Housing & Shelter sector that reported $320K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $397K exceeded revenue, resulting in a 24% operating deficit.

Mission

HOUSING SUPPORT SERVICES AND HOUSING FOR QUALIFIED LOW-INCOME ADULTS OVER THE AGE OF 63.

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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 $54,623

Program Service Revenue $251,047

Investment Income $14,752

Other Revenue $0

TOTAL REVENUE $320,422

Expense Breakdown

Grants Paid $0

Salaries & Benefits $126,622

Fundraising Expenses $2,306

Program Expenses $395,152

Other Expenses $270,836

TOTAL EXPENSES $397,458

Year-over-Year Comparison

	2023	2022	Change
Revenue	$320,422	$292,011	+0.1%
Expenses	$397,458	$358,643	+0.1%
Net Income	$-77,036	$-66,632	+0.2%

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

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
ALAN CASCIO	PRESIDENT	N/A	Officer Director	$0	$0	$0
SCOTT HAMILTON	TREASURER	N/A	Officer Director	$0	$0	$0
KRAMER HERZOG	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
DAVID HILL	DIRECTOR	N/A	Director	$0	$0	$0
ANDREW MARSHALL	DIRECTOR	N/A	Director	$0	$0	$0
VICKI PEDERSON	DIRECTOR	N/A	Director	$0	$0	$0
JOHN D WRIGHT	SECRETARY	N/A	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
2024	No data	No data	No data	No data
2023	$320,422	$397,458	$2,186,448	$-77,036
2022	$292,011	$358,643	$2,238,598	$-66,632
2021	$483,945	$325,155	$2,388,151	$158,790
2020	$281,924	$299,419	$2,365,241	$-17,495
2019	$374,771	$320,049	$2,337,846	$54,722
2018	$315,892	$308,449	$2,247,576	$7,443

ROSS VALLEY ECUMENICAL HOUSING ASSOCIATION