HOA Health Report Card
15 questions. 5 minutes. Get an A–F grade across Financial Health, Compliance, Governance, and Operations — then share with your board.
Financial Health
What is your reserve fund's current percent funded?
What percentage of units are currently past due on dues?
When was your last professional reserve study completed?
Does your association have a board-adopted annual budget?
Compliance
Do you have a written, board-adopted violation policy and fine schedule?
How many unresolved violations are currently open in your community?
When were your CC&Rs or bylaws last reviewed or updated?
Does your HOA carry Directors & Officers (D&O) liability insurance?
Governance
How often does your board hold regular, noticed board meetings?
Do you keep written minutes for all board and annual meetings?
When did your community last hold a properly noticed annual homeowner meeting?
Do you have at least two board members who understand all key processes?
Communications & Ops
How quickly does your board process architectural review requests?
How does the board communicate with all homeowners?
What tools does your board use to manage HOA operations?
Answer all 15 questions to see your grades.
Frequently Asked Questions
- What does the HOA Health Report Card measure?
- The report card scores your HOA across four dimensions: Financial Health (reserve funding, delinquency rates, budget), Compliance (violation policy, open violations, CC&R currency, D&O insurance), Governance (meeting frequency, minutes, annual meeting, board succession), and Communications & Operations (architectural review speed, resident communications, management tools). Each category is graded A through F based on your answers.
- How is the overall grade calculated?
- Each of the 15 questions is scored 0–3 points. The four category scores are each converted to a letter grade (A ≥ 90%, B ≥ 75%, C ≥ 55%, D ≥ 35%, F < 35% of the category maximum). The overall grade reflects the weighted average across all 45 possible points.
- Can I share my report card with my full board?
- Yes — click the Share button after completing the assessment. It generates a link that encodes your answers so any board member who opens it sees the same report. You can also use the Print button to export a PDF version for your board meeting.
- How often should we redo the health check?
- Most boards find it useful to run the health check at the start of each year as part of their annual planning cycle, and again after any major change — a new board composition, a completed capital project, or a policy overhaul. It takes about 5 minutes and gives you a concrete snapshot of where things stand.
- Our HOA scored an F in one category — what should we do?
- Focus on one category at a time, starting with whichever has the most immediate financial or legal exposure. An F in Financial Health (especially low reserve funding) is typically the highest-risk issue. An F in Compliance often means the board is exposed to Fair Housing challenges. The report card provides specific recommendations for each failing area.