Virginia Housing and Community Development Corporation (EIN 200779486) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

James Taylor

Phone

8669315760

Tax Period

2023-01-01 to 2023-12-31

VIRGINIA HOUSING AND COMMUNITY DEVELOPMENT CORPORATION, founded in 2004, is a micro nonprofit in the Housing & Shelter sector that reported $41K in total revenue in fiscal year 2021.

Mission

THE COMMUNITY DEVELOPMENT MISSION OF VIRGINIA HOUSING AND COMMUNITY DEVELOPMENT CORPORATION vchdc IS TO EDUCATE AND EMPOWER INDIVIDUALS, FAMILIES AND MINORITY BUSINESS OWNERS TO BUILD WEALTH, ACCESS CAPITAL AND CREDIT, AND ACHIEVE HOME OWNERSHIP. VHCDC ACHIEVES THIS MISSION THROUGH A STEADY STREAM OF WEALTH BUILDING INITIATIVES, HOME OWNERSHIP EDUCATION AND ASSISTANCE, SMALL BUSINESS FINANCINGS AND ACQUIRING AND REHABILITATING DISTRESSED HOUSING IN TARGETED COMMUNITIES

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $81,634

Program Service Revenue $16,193

Investment Income $1,276

Other Revenue $29,215

TOTAL REVENUE $128,318

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,372

Fundraising Expenses $7,198

Program Expenses $122,386

Other Expenses $101,611

TOTAL EXPENSES $143,983

Year-over-Year Comparison

	2023	2022	Change
Revenue	$128,318	$119,634	+0.1%
Expenses	$143,983	$125,289	+0.1%
Net Income	$-15,665	$-5,655	+1.8%

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

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
JAMES R TAYLOR III	President	Officer Director	$0	$0	$0
Katrina S Taylor	Vice President	Officer Director	$0	$0	$0
Glenda Whyte	Secretary	Officer Director	$0	$0	$0
James A Young Sr	Treasurer	Officer Director	$0	$0	$0
Michael L Baldwin	Director	Director	$0	$0	$0
Danielle Flipping	Director	Director	$0	$0	$0
Shannon Williams	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
2024	No data	No data	No data	No data
2023	$128,318	$143,983	$511,497	$-15,665
2021	$41,118	No data	$240,620	No data

Virginia Housing and Community Development Corporation