CUMBERLAND VALLEY HABITAT FOR HUMAN (EIN 251682630) - 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

1981

Legal Domicile

Phone

7172581830

Tax Period

2024-07-01 to 2025-06-30

CUMBERLAND VALLEY HABITAT FOR HUMAN, founded in 1981, is a small nonprofit that reported $652K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $528K, a strong 81% operating margin.

Mission

Cumberland Valley Habitat for Humanity is a locally run affiliate of Habitat for Humanity International, a nonprofit, ecumenical Christian housing organization. Habitat for Humanity works in partnership with people in need to build and renovate decent, affordable 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 $476,867

Program Service Revenue $0

Investment Income $43,046

Other Revenue $132,082

TOTAL REVENUE $651,995

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,556

Fundraising Expenses $2,193

Program Expenses $113,938

Other Expenses $51,228

TOTAL EXPENSES $123,784

Year-over-Year Comparison

	2024	2023	Change
Revenue	$651,995	$764,308	-0.1%
Expenses	$123,784	$117,870	+0.1%
Net Income	$528,211	$646,438	-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

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

$63,386

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JERRY NICHOLS	EXECUTIVE DIRECTOR	50.00	Key Emp	$63,386	$0	$63,386
JIM SHOWVAKER	PRESIDENT	1.00	Officer Director	$0	$0	$0
GEORGE DOUGLAS	VP	1.00	Officer Director	$0	$0	$0
JAN LeBLANC	SECRETARY	1.00	Officer Director	$0	$0	$0
HOLLY BONNER	MEMBER	1.00	Director	$0	$0	$0
TONY LORENZ	MEMBER	1.00	Director	$0	$0	$0
BARB DOEL	TREASURER	1.00	Officer Director	$0	$0	$0
Amy Neurohr	Member	1.00	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	$651,995	$123,784	$1,909,607	$528,211
2024	$764,308	$117,870	$1,363,938	$646,438
2023	$442,242	$123,046	$725,841	$319,196
2022	$59,095	$118,107	$465,343	$-59,012
2021	$129,458	$118,865	$473,302	$10,593
2020	$41,145	$146,438	$467,195	$-105,293
2019	$50,928	$239,549	$577,286	$-188,621

CUMBERLAND VALLEY HABITAT FOR HUMAN