Belwood of Los Gatos Homes Association (EIN 946103753) - 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

1963

Legal Domicile

Principal Officer

Debbie Gary

Phone

4083582229

Tax Period

2025-01-01 to 2025-12-31

Belwood of Los Gatos Homes Association, founded in 1963, is a small nonprofit that reported $262K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

To maintain, repair and replace common area property which it does through member assessments.

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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 (2025)

Revenue Breakdown

Contributions & Grants $205,581

Program Service Revenue $23,537

Investment Income $8,956

Other Revenue $24,026

TOTAL REVENUE $262,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $39,977

Fundraising Expenses $0

Program Expenses $283,509

Other Expenses $243,532

TOTAL EXPENSES $283,509

Year-over-Year Comparison

	2025	2024	Change
Revenue	$262,100	$285,158	-0.1%
Expenses	$283,509	$295,167	0.0%
Net Income	$-21,409	$-10,009	+1.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debbie Gary	President	4.00	Director	$0	$0	$0
Tim Takeuchi	Vice President	2.00	Director	$0	$0	$0
Rich Lee	Treasurer	2.00	Director	$0	$0	$0
Dan Saban	Secretary	2.00	Director	$0	$0	$0
Lloyd Grant	Director	2.00	Director	$0	$0	$0
Tom Sandoval	Director	2.00	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
2025	$262,100	$283,509	$440,563	$-21,409
2024	$285,158	$295,167	$354,197	$-10,009
2023	$192,077	$206,788	$396,243	$-14,711
2022	$188,981	$197,583	$392,641	$-8,602
2021	$178,205	$130,102	$378,543	$48,103
2020	$146,549	$124,133	$371,841	$22,416

Belwood of Los Gatos Homes Association