HOME BUILDERS ASSOCIATION OF MAHONING VALLEY (EIN 340768538) - 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

1968

Legal Domicile

Principal Officer

RICK GALLOWAY

Phone

3309659770

Tax Period

2024-01-01 to 2024-12-31

HOME BUILDERS ASSOCIATION OF MAHONING VALLEY, founded in 1968, is a small nonprofit that reported $292K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. Expenses of $250K left a modest 15% surplus.

Mission

ADVANCEMENT OF HOME BUILDING INDUSTRY

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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 $0

Program Service Revenue $266,810

Investment Income $10,048

Other Revenue $15,618

TOTAL REVENUE $292,476

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,495

Fundraising Expenses $0

Other Expenses $184,106

TOTAL EXPENSES $249,601

Year-over-Year Comparison

	2024	2023	Change
Revenue	$292,476	$333,452	-0.1%
Expenses	$249,601	$260,401	0.0%
Net Income	$42,875	$73,051	-0.4%

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

$56,165

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK RAMUNNO	PRESIDENT	1.00	Officer Director	$0	$0	$0
RICK GALLOWAY	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ZACH TABOR	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
PATRICIA HOWE	EXECUTIVE OF	40.00	Officer	$56,165	$0	$56,165

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	$292,476	$249,601	$653,810	$42,875
2023	$333,452	$260,401	$581,668	$73,051
2022	$271,288	$242,076	$498,731	$29,212
2021	$215,190	$224,710	$436,417	$-9,520
2020	$374,405	$280,131	$477,493	$94,274
2019	$271,042	$295,736	$361,947	$-24,694
2018	$284,847	$289,917	$373,308	$-5,070

HOME BUILDERS ASSOCIATION OF MAHONING VALLEY