MARTINSBURG COMMUNITY HOUSING CORP (EIN 251306471) - 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

Principal Officer

SARAH E DETWILER

Phone

8149449466

Tax Period

2024-10-01 to 2025-09-30

MARTINSBURG COMMUNITY HOUSING CORP is a small nonprofit that reported $283K in total revenue in fiscal year 2024. Expenses of $328K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROVIDE LOW TO MIDDLE INCOME SUBSIDIZED HOUSING

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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 $110,083

Program Service Revenue $169,653

Investment Income $27

Other Revenue $3,637

TOTAL REVENUE $283,400

Expense Breakdown

Grants Paid $0

Salaries & Benefits $90,587

Fundraising Expenses $0

Program Expenses $290,268

Other Expenses $237,679

TOTAL EXPENSES $328,266

Year-over-Year Comparison

	2024	2023	Change
Revenue	$283,400	$292,685	0.0%
Expenses	$328,266	$307,171	+0.1%
Net Income	$-44,866	$-14,486	+2.1%

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

Employees

N/A

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
CHARLES GOJMERAC	DIRECTOR	Director	$0	$0	$0
C GREGORY HAFFLING	DIRECTOR	Director	$0	$0	$0
WILLIAM J HELSEL	DIRECTOR	Director	$0	$0	$0
KERRY L HOOVER	DIRECTOR	Director	$0	$0	$0
CRAIG ORMSBY	DIRECTOR	Director	$0	$0	$0
MARGARET S STEINFUTH	DIRECTOR	Director	$0	$0	$0
SARAH E DETWILER	PRESIDENT	Officer	$0	$0	$0
MARIE ZERFOSS	SECRETARY	Officer	$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	$283,400	$328,266	$482,506	$-44,866
2024	$292,685	$307,171	$536,724	$-14,486
2023	$277,230	$246,390	$598,517	$30,840
2022	$275,343	$251,085	$585,164	$24,258
2021	$269,768	$237,798	$601,291	$31,970
2020	$244,992	$228,534	$630,426	$16,458
2019	$242,664	$232,023	$608,151	$10,641
2019	$244,992	$228,534	$608,151	$16,458
2018	$234,948	$219,500	$626,324	$15,448

MARTINSBURG COMMUNITY HOUSING CORP