RIVER GARDEN MUTUAL HOUSING CORPORATION (EIN 943281933) - 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

1997

Legal Domicile

Principal Officer

ANNE MARIE FLYNN

Phone

9164538400

Tax Period

2023-01-01 to 2023-12-31

RIVER GARDEN MUTUAL HOUSING CORPORATION, founded in 1997, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $33K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $41K exceeded revenue, resulting in a 25% operating deficit.

Mission

TO PROVIDE AFFORDABLE HOUSING.

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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 $3,215

Program Service Revenue $30,000

Investment Income $0

Other Revenue $0

TOTAL REVENUE $33,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $41,403

Other Expenses $41,403

TOTAL EXPENSES $41,403

Year-over-Year Comparison

	2023	2022	Change
Revenue	$33,215	$30,000	+0.1%
Expenses	$41,403	$32,034	+0.3%
Net Income	$-8,188	$-2,034	+3.0%

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

N/A

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

$504,011

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHY CRESWELL	CHAIR	1.00	Officer Director	$0	$0	$0
JENNIFER HIGLEY-CHAPMAN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
CORINNE MORRISON	TREASURER	1.00	Officer Director	$0	$0	$0
TRICIA STEVENS	SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERTO JIMENEZ	CEO	1.00	Officer	$0	$34,705	$282,034
JULIE GOLDFINE	CFO	1.00	Officer	$0	$26,733	$221,977

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	$33,215	$41,403	$681,099	$-8,188
2022	$30,000	$32,034	$680,812	$-2,034
2021	$31,600	$31,902	$681,216	$-302
2020	$32,499	$31,777	$681,458	$722
2019	$31,500	$31,841	$682,076	$-341
2018	$30,000	$31,639	$685,065	$-1,639

RIVER GARDEN MUTUAL HOUSING CORPORATION