AFFORDABLE COMMUNITY HOUSING TRUST - DELTA (EIN 943130133) - 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

1990

Legal Domicile

Principal Officer

JON PADEN

Phone

4052856680

Tax Period

2024-01-01 to 2024-12-31

AFFORDABLE COMMUNITY HOUSING TRUST - DELTA, founded in 1990, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2024. Expenses of $3.3M left a modest 4% surplus.

Mission

TO PROVIDE AFFORDABLE HOUSING SERVICES,AND/OR CARE FOR RESIDENTS,WITH PARTICULAR CONCERN FOR THE LOW AND MIDDLE INCOME AMERICANS AND FOR THOSE WHO MAY BE DISADVANTAGED,DISABLED OR HOMELESS.

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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 $0

Program Service Revenue $3,401,272

Investment Income $0

Other Revenue $6,043

TOTAL REVENUE $3,407,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,023,962

Fundraising Expenses $0

Program Expenses $2,864,633

Other Expenses $1,240,790

TOTAL EXPENSES $3,264,752

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,407,315	$3,248,891	+0.0%
Expenses	$3,264,752	$3,455,076	-0.1%
Net Income	$142,563	$-206,185	-1.7%

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

146

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

$97,000

Total Directors

$119,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE CHRISMAN	DIRECTOR	1.00	Director	$0	$0	$0
RON JOHNSTON	DIRECTOR	1.00	Director	$0	$0	$11,000
SCOTT OVERBEY	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$50,000
JON PADEN	PRESIDENT	1.00	Officer Director	$0	$0	$47,000
PHILLIP RAPP	DIRECTOR	1.00	Director	$0	$0	$11,000

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	$3,407,315	$3,264,752	$5,759,048	$142,563
2023	$3,248,891	$3,455,076	$5,772,772	$-206,185
2022	$3,021,374	$3,474,381	$5,934,832	$-453,007
2021	$2,689,134	$3,217,743	$6,149,448	$-528,609
2020	$2,803,608	$3,097,512	$6,493,593	$-293,904
2018	$2,799,596	$2,746,604	$7,043,045	$52,992

AFFORDABLE COMMUNITY HOUSING TRUST - DELTA