NON-PROFIT HOUSING ASSOCIATION OF NORTHERN CALIFORNIA (EIN 942741597) - 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

1979

Legal Domicile

Principal Officer

AMIE FISHMAN

Phone

4159898160

Tax Period

2024-01-01 to 2024-12-31

NON-PROFIT HOUSING ASSOCIATION OF NORTHERN CALIFORNIA, founded in 1979, is a community nonprofit in the Housing & Shelter sector that reported $8.1M in total revenue in fiscal year 2024. Revenue surged 157% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.3M, a strong 17% operating margin.

Mission

THE NON-PROFIT HOUSING ASSOCIATION OF NORTHERN CALIFORNIA (NPH), A CALIFORNIA NONPROFIT PUBLIC BENEFIT CORPORATION, WAS FORMED ON MAY 19, 1979. SINCE ITS FORMATION, NPH HAS BEEN THE BAY AREA'S LEADING AND COLLECTIVE VOICE FOR AFFORDABLE HOUSING, WINNING POLICY SOLUTIONS AND STRENGTHENING THE AFFORDABLE HOUSING INDUSTRY AND MOVEMENT. NPHS WORK PROMOTES BIG, BOLD SOLUTIONS IN THE REGION AND STATE SO THAT EVERYONE HAS A PLACE TO CALL HOME, NO MATTER THEIR RACE, INCOME OR BACKGROUND. NPH ADVANCES FUNDING SOLUTIONS AND LAND USE POLICY, AND BUILDS PUBLIC SUPPORT AND POLITICAL WILL FOR DEVELOPING, PRESERVING, AND OPERATING AFFORDABLE HOMES FOR LOW-INCOME FAMILIES, SENIORS, WORKERS AND PEOPLE WITH DISABILITIES, AND FOR BLACK, INDIGENOUS, LATINX, ASIAN AND OTHER PEOPLE OF COLOR WHO HAVE HISTORICALLY BEEN EXCLUDED FROM HOUSING OPPORTUNITIES DUE TO DECADES OF UNFAIR AND RACIST HOUSING POLICIES.

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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 $8,031,373

Program Service Revenue $403,982

Investment Income $5,923

Other Revenue $-391,140

TOTAL REVENUE $8,050,138

Expense Breakdown

Grants Paid $300,000

Salaries & Benefits $2,906,197

Fundraising Expenses $9,147

Program Expenses $5,976,758

Other Expenses $3,513,681

TOTAL EXPENSES $6,719,878

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,050,138	$3,133,975	+1.6%
Expenses	$6,719,878	$5,776,936	+0.2%
Net Income	$1,330,260	$-2,642,961	-1.5%

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

$275,021

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIRIAM BENAVIDES	BOARD MEMBER	5.00	Director	$0	$0	$0
DIANA DOWNTOWN	BOARD MEMBER	5.00	Director	$0	$0	$0
REBECCA CENTER FOSTER	BOARD MEMBER	5.00	Director	$0	$0	$0
DON GILMORE	BOARD MEMBER	5.00	Director	$0	$0	$0
CONSUELO HERNANDEZ	BOARD MEMBER	5.00	Director	$0	$0	$0
CHRIS IGLESIAS	BOARD MEMBER	5.00	Director	$0	$0	$0
JENNIFER INGRAM	BOARD MEMBER	5.00	Director	$0	$0	$0
LILLIAN LEW-HAILER	BOARD MEMBER	5.00	Director	$0	$0	$0
FATHIA MACAULEY	BOARD MEMBER	5.00	Director	$0	$0	$0
GEOFFREY MORGAN	BOARD MEMBER	5.00	Director	$0	$0	$0
PRESTON PRINCE	BOARD MEMBER	5.00	Director	$0	$0	$0
KARIM SULTAN	BOARD MEMBER	5.00	Director	$0	$0	$0
RANDY TSUDA	PRESIDENT	5.00	Officer Director	$0	$0	$0
SHOLA OLATOYE	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CINDY WU	SECRETARY	5.00	Officer Director	$0	$0	$0
LARRY FLORIN	TREASURER	5.00	Officer Director	$0	$0	$0
AMIE FISHMAN	EXECUTIVE DIRECTOR	40.00	Officer	$251,352	$23,669	$275,021
ESTEPHANIE SUNGA	PROGRAM & EVENTS DIRECTOR	40.00	Highest	$154,474	$16,799	$171,273
ALINA HARWAY	COMMUNICATIONS DIRECTOR	40.00	Highest	$160,997	$17,189	$178,186
JOHN HARECHMAK	POLICY DIRECTOR	40.00	Highest	$137,708	$14,468	$152,176
WILLIAM BARNES III	CAMPAIGNS & COMMUNITY ENGAGEMENNT DIRECTOR	40.00	Highest	$159,229	$9,668	$168,897
JENNIFER TAPKEN	DEPUTY DIRECTOR	40.00	Highest	$198,272	$19,130	$217,402

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	$8,050,138	$6,719,878	$7,934,784	$1,330,260
2023	$3,133,975	$5,776,936	$6,697,935	$-2,642,961
2022	$3,803,797	$4,386,975	$8,305,573	$-583,178
2021	$8,772,233	$3,540,796	$8,373,188	$5,231,437
2020	$2,363,614	$2,539,090	$3,139,101	$-175,476
2019	$3,688,626	$2,073,505	$3,279,226	$1,615,121
2018	$1,920,123	$1,651,253	$1,633,554	$268,870

NON-PROFIT HOUSING ASSOCIATION OF NORTHERN CALIFORNIA