Rebuilding Together North Central F

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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

2005

Legal Domicile

Principal Officer

Raymond Bonnaghan

Phone

3523732573

Tax Period

2025-01-01 to 2025-12-31

Rebuilding Together North Central F, founded in 2005, is a community nonprofit in the Housing & Shelter sector that reported $2.3M in total revenue in fiscal year 2025. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $2.2M left a modest 5% surplus.

Mission

Repairing homes, revitalizing communities, rebuilding lives.

Program Service Accomplishments

Program 1

Expenses: $1,868,865

Repair Programs: Rebuilding Together North Central Floridas (RTNCF) home repair programs keep our neighbors safe and healthy in the homes and neighborhoods where theyve lived for years. The program focuses on critical and emergency repairs prioritized based on a 25-point health and safety checklist developed in partnership with the National Center for Healthy Housing. RTNCF completes repairs for local residents by combining the efforts of volunteers and subcontracted professionals to leverage skill, funding, and local resources to provide the most services to the highest possible number of neighbors in need. In 2025, RTNCF engaged 348 unique volunteers in eliminating 285 home health hazards. These efforts resulted in safer, healthier homes for 132 individuals in Alachua and Levy County through critical and emergency repair, affordable rental preservation, and accessibility modification projects.

Program 2

Expenses: $224,168

Energy Programs: The Corporation partners with a number of other local organizations to decrease energy and water consumption for our low-income neighbors who are most adversely affected by utility costs. This program operates under the name Community Weatherization Coalition (CWC), and was founded in 2008 by bringing together partners from across the community to empower local residents to take control of their energy and water consumption through behavioral changes, and simple low-cost energy retrofits. This program trains dozens of volunteers per year to spend hours in the homes of their neighbors making retrofits and coaching neighbors on how they can reduce energy and water consumption, and thereby save money. In 2025, CWC trained 43 volunteers to provide energy tune-up services that served a total of 230 local households.

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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 $2,352,054

Program Service Revenue $0

Investment Income $1,450

Other Revenue $-6,153

TOTAL REVENUE $2,347,351

Expense Breakdown

Grants Paid $1,525,719

Salaries & Benefits $491,754

Fundraising Expenses $26,749

Program Expenses $2,093,033

Other Expenses $205,733

TOTAL EXPENSES $2,223,206

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,347,351	$1,776,742	+0.3%
Expenses	$2,223,206	$1,630,127	+0.4%
Net Income	$124,145	$146,615	-0.2%

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

403

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

$72,698

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Raymond Bonnaghan	Executive Director	40.00	Officer	$72,098	$600	$72,698
Barbara Miller	Director	1.00	Director	$0	$0	$0
Erik Otte	Treasurer	1.00	Officer Director	$0	$0	$0
Jose Alzate	Past President	1.00	Officer Director	$0	$0	$0
Crystal Rushing	Director	1.00	Director	$0	$0	$0
Michael B Jones	President	1.00	Officer Director	$0	$0	$0
Justin Macdougall	Director	1.00	Director	$0	$0	$0
Chris Cano	Director	1.00	Director	$0	$0	$0
Natalie Thomas	Director	1.00	Director	$0	$0	$0
Beth Phillips	Director	1.00	Director	$0	$0	$0
Corey Luecking-Montalbano	Director	1.00	Director	$0	$0	$0
David Rountree	Director	1.00	Director	$0	$0	$0
Maury Ivey	Secretary	1.00	Officer 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	$2,347,351	$2,223,206	$848,006	$124,145
2024	$1,776,742	$1,630,127	$605,382	$146,615
2023	$1,261,125	$1,129,115	$388,505	$132,010
2022	$610,854	$606,053	$225,359	$4,801
2021	$458,762	$519,436	$140,966	$-60,674
2020	$600,564	$561,423	$226,728	$39,141
2019	$449,091	$415,632	$145,477	$33,459
2018	$416,130	$391,036	$91,547	$25,094