RMA HOUSING DEVELOPMENT CORPORATION (EIN 990778399) - 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

2023

Legal Domicile

Principal Officer

DAN SIEBURG

Phone

3154726251

Tax Period

2024-10-01 to 2025-09-30

RMA HOUSING DEVELOPMENT CORPORATION, founded in 2023, is a small nonprofit in the Housing & Shelter sector that reported $255K in total revenue in fiscal year 2024. Expenses of $447K exceeded revenue, resulting in a 75% operating deficit.

Mission

WE PUT LOVE INTO ACTION THROUGH DEVELOPING, MANAGING, FINANCING, FOSTERING, AND PROVIDING ACCESS TO AFFORDABLE HOUSING FOR THE POOR AND DISTRESSED.

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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 $254,026

Investment Income $0

Other Revenue $1,141

TOTAL REVENUE $255,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $446,936

Other Expenses $446,936

TOTAL EXPENSES $446,936

Year-over-Year Comparison

	2024	2023	Change
Revenue	$255,167	N/A	N/A
Expenses	$446,936	N/A	N/A
Net Income	$-191,769	$0	N/A

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

$618,822

Total Directors

$291,134

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN MCCABE	SECRETARY	1.00	Officer Director	$0	$0	$0
CHRISTOPHER GARDNER	TREASURER	1.00	Officer Director	$0	$0	$0
ANDREW MAXWELL	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DANIEL SIEBURG	PRESIDENT & CEO	5.00	Officer Director	$0	$26,424	$291,134
TRACI BARBER	CHIEF FINANCIAL OFFICER	5.00	Officer	$0	$33,697	$176,312
CRYSTAL COSENTINO	CHIEF STRATEGY OFFICER	5.00	Officer	$0	$32,657	$151,376

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	$255,167	$446,936	$2,602,387	$-191,769

RMA HOUSING DEVELOPMENT CORPORATION