AFFORDABLE COMMUNITY HOUSING TRUST - EPSILON (EIN 943130134) - 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

2022-06-01 to 2023-05-31

AFFORDABLE COMMUNITY HOUSING TRUST - EPSILON, founded in 1990, is a community nonprofit in the Housing & Shelter sector that reported $4.7M in total revenue in fiscal year 2022. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $11.9M exceeded revenue, resulting in a 156% operating deficit.

Mission

THE ORGANIZATION PROVIDES SENIORS AFFORDABLE HOUSING AND RELATED SERVICES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,672,822

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,672,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,156,931

Fundraising Expenses $0

Program Expenses $10,989,007

Other Expenses $9,788,699

TOTAL EXPENSES $11,945,630

Year-over-Year Comparison

	2022	2021	Change
Revenue	$4,672,822	$6,287,831	-0.3%
Expenses	$11,945,630	$7,896,505	+0.5%
Net Income	$-7,272,808	$-1,608,674	+3.5%

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

167

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	Role	Reportable Comp	Other Comp	Total
JON PADEN	PRESIDENT	Officer Director	$0	$0	$0
SCOTT OVERBEY	SECRETARY/TREASURER	Officer Director	$0	$0	$0
STEVE CHRISMAN	DIRECTOR	Director	$0	$0	$0
PHIL RAPP	DIRECTOR	Director	$0	$0	$0
RON JOHNSTON	DIRECTOR	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
2023	$4,672,822	$11,945,630	$10,611,005	$-7,272,808
2022	$6,287,831	$7,896,505	$11,053,886	$-1,608,674
2021	$6,060,703	$8,039,743	$12,007,146	$-1,979,040
2020	$7,259,942	$8,693,878	$13,722,147	$-1,433,936
2019	$7,847,867	$8,863,186	$15,383,846	$-1,015,319

AFFORDABLE COMMUNITY HOUSING TRUST - EPSILON