MUTUAL HOUSING CALIFORNIA FORMERLY KNOWN AS SACRAMENTO MUTUAL HOUSING ASSOCIATION (EIN 943093354) - 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

1988

Legal Domicile

Principal Officer

ANNE MARIE FLYNN

Phone

9164538400

Tax Period

2023-01-01 to 2023-12-31

MUTUAL HOUSING CALIFORNIA FORMERLY KNOWN AS SACRAMENTO MUTUAL HOUSING ASSOCIATION, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $9.9M in total revenue in fiscal year 2023. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.8M, a strong 38% operating margin.

Mission

DEVELOP, MANAGE, AND SUPPORT SUSTAINABLE AFFORDABLE HOUSING WHERE RESIDENTS ARE PARTNERS IN ADVANCING EQUITABLE COMMUNITIES.

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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 $2,567,931

Program Service Revenue $7,336,727

Investment Income $80,285

Other Revenue $-39,042

TOTAL REVENUE $9,945,901

Expense Breakdown

Grants Paid $320,199

Salaries & Benefits $3,873,077

Fundraising Expenses $206,664

Program Expenses $3,946,938

Other Expenses $1,947,602

TOTAL EXPENSES $6,140,878

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,945,901	$8,658,576	+0.1%
Expenses	$6,140,878	$5,766,341	+0.1%
Net Income	$3,805,023	$2,892,235	+0.3%

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

250

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

$504,011

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHY CRESWELL	CHAIR	2.00	Officer Director	$0	$0	$0
JENNIFER HIGLEY-CHAPMAN	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CORINNE MORRISON	TREASURER	2.00	Officer Director	$0	$0	$0
TRICIA STEVENS	SECRETARY	2.00	Officer Director	$0	$0	$0
GREG CHEW	DIRECTOR	2.00	Director	$0	$0	$0
ALLISON JOE	DIRECTOR	2.00	Director	$0	$0	$0
ANDREA NOBLE	DIRECTOR	2.00	Director	$0	$0	$0
AMBER LAMASON	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH REYNAGA	DIRECTOR	2.00	Director	$0	$0	$0
LATOICHE ADAMS	DIRECTOR	2.00	Director	$0	$0	$0
KAREN NAUNGAYAN	DIRECTOR	2.00	Director	$0	$0	$0
ROBERTO JIMENEZ	CEO	36.00	Officer	$247,329	$34,705	$282,034
JULIE GOLDFINE	CFO	34.00	Officer	$195,244	$26,733	$221,977
KEITH BLOOM	DIRECTOR OF ACQUISITIONS	40.00	Highest	$165,066	$35,727	$200,793
TEJAL SHAH	VP OF COMMUNITY DEVELOPMENT	40.00	Highest	$144,637	$13,418	$158,055
RYAN CASSIDY	VP OF REAL ESTATE	40.00	Highest	$135,927	$5,566	$141,493
VANESSA PEREZ GUERRA	ASSOCIATE DIR. OF HSNG. DEVL.	40.00	Highest	$121,842	$21,548	$143,390
MARIA LAYTON	CONTROLLER	40.00	Highest	$133,426	$14,598	$148,024

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	$9,945,901	$6,140,878	$32,066,910	$3,805,023
2022	$8,658,576	$5,766,341	$25,721,132	$2,892,235
2021	$8,756,277	$5,557,647	$24,015,482	$3,198,630
2020	$9,434,918	$4,681,476	$21,035,219	$4,753,442
2019	$9,752,014	$3,998,433	$18,075,438	$5,753,581
2018	$4,564,154	$3,797,020	$12,258,097	$767,134

MUTUAL HOUSING CALIFORNIA FORMERLY KNOWN AS SACRAMENTO MUTUAL HOUSING ASSOCIATION