PEP Housing (EIN 942565270) - 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

1978

Legal Domicile

Principal Officer

Jennifer Litwak

Phone

7077622336

Tax Period

2024-01-01 to 2024-12-31

PEP Housing, founded in 1978, is a community nonprofit in the Religion sector that reported $8.1M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 22% operating margin.

Mission

PEP Housing, a nonprofit organization, develops and manages quality affordable housing and provides supportive services for older adults with limited incomes.

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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 $4,142,520

Program Service Revenue $3,505,675

Investment Income $489,691

Other Revenue $0

TOTAL REVENUE $8,137,886

Expense Breakdown

Grants Paid $265,797

Salaries & Benefits $2,367,929

Fundraising Expenses $71,183

Program Expenses $5,947,605

Other Expenses $3,723,746

TOTAL EXPENSES $6,357,472

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,137,886	$6,565,425	+0.2%
Expenses	$6,357,472	$6,461,775	0.0%
Net Income	$1,780,414	$103,650	+16.2%

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

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

$442,598

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Harry Coffey	Chair Person	0.50	Officer Director	$0	$0	$0
Sean Pryden	Vice Chair	0.50	Officer Director	$0	$0	$0
Don Ross	Treasurer	0.50	Officer Director	$0	$0	$0
Ben Pryden	Secretary	0.50	Officer Director	$0	$0	$0
George F Spragens	Director	0.50	Director	$0	$0	$0
Joseph Tinney	Director	0.50	Director	$0	$0	$0
Roy Martinez	Director	0.50	Director	$0	$0	$0
Jim Ryan	Director	0.50	Director	$0	$0	$0
Matthew Haas	Director	0.50	Director	$0	$0	$0
Ricardo Villagomez	Director	0.50	Director	$0	$0	$0
Eloise Tweeten	Director	0.50	Director	$0	$0	$0
Jennifer Litwak	CEO/President	40.00	Officer	$256,852	$20,994	$277,846
Karin Anderson	Sr Dir-Finance	40.00	Officer	$148,833	$15,919	$164,752
Jim Wallen	Dir of HSG Dev	40.00	Highest	$170,563	$11,439	$182,002
Kerry Bentz	VP of Property Ops	40.00	Highest	$140,177	$6,004	$146,181
Pamela Lemos	Dir of Maintenance	40.00	Highest	$103,000	$8,160	$111,160

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	$8,137,886	$6,357,472	$12,778,744	$1,780,414
2023	$6,565,425	$6,461,775	$23,359,623	$103,650
2022	$7,903,970	$5,430,779	$23,521,285	$2,473,191
2021	$6,169,508	$5,432,447	$20,234,372	$737,061
2020	$5,161,265	$5,007,093	$12,791,712	$154,172
2019	$3,412,862	$3,243,859	$13,589,959	$169,003
2018	$3,620,752	$2,802,346	$11,640,360	$818,406

PEP Housing