NCAR HOUSING OPPORTUNITY FOUNDATION (EIN 450530518) - 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

2003

Legal Domicile

Principal Officer

SEAN NOCK

Phone

3362941415

Tax Period

2024-01-01 to 2024-12-31

NCAR HOUSING OPPORTUNITY FOUNDATION, founded in 2003, is a community nonprofit in the Housing & Shelter sector that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 377% from the prior year, signaling strong growth momentum.

Mission

NC REALTORS HOUSING FOUNDATION, A CHARITABLE FOUNDATION, PROVIDES HOUSING OPPORTUNITIES THROUGH EDUCATION AND COMMUNITY-BASED INITIATIVES INCLUDING DISASTER RELIEF.

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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 $1,480,364

Program Service Revenue $95

Investment Income $0

Other Revenue $3,331

TOTAL REVENUE $1,483,790

Expense Breakdown

Grants Paid $1,384,094

Salaries & Benefits $0

Fundraising Expenses $88,247

Program Expenses $1,474,268

Other Expenses $225,127

TOTAL EXPENSES $1,609,221

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,483,790	$310,884	+3.8%
Expenses	$1,609,221	$421,077	+2.8%
Net Income	$-125,431	$-110,193	+0.1%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES MCDUFFIE	TREASURER	1.00	Officer Director	$0	$0	$0
WILLO KELLY	DIRECTOR	0.50	Director	$0	$0	$0
MICHELLE ROBERTS	PAST PRESIDE	0.50	Director	$0	$0	$0
CARMEN PALMER	DIRECTOR	0.50	Director	$0	$0	$0
PHILLIP RECTOR	DIRECTOR	0.50	Director	$0	$0	$0
SONIA B JOYNER	DIRECTOR	0.50	Director	$0	$0	$0
RENEE COONEY	DIRECTOR	0.50	Director	$0	$0	$0
M HILTON SWING	DIRECTOR	0.50	Director	$0	$0	$0
MARK CONNOR	DIRECTOR	0.50	Director	$0	$0	$0
MARK LINDSEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
ANDREA BUSHNELL	ADVISOR (NON	0.50	Director	$0	$0	$0
TIM MCBRAYER	DIRECTOR	0.50	Director	$0	$0	$0
SEAN NOCK	VP (2025 PRE	1.00	Officer Director	$0	$0	$0
TARA TILLMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
SANDRA BERNHARDT	DIRECTOR	0.50	Director	$0	$0	$0
VICKIE BASS	DIRECTOR	0.50	Director	$0	$0	$0
ROSEMARIE DOSHIER	DIRECTOR	0.50	Director	$0	$0	$0
BETH HENSLEY	DIRECTOR	0.50	Director	$0	$0	$0
PRESTON MILLER	DIRECTOR	0.50	Director	$0	$0	$0
AYESHA RICHARDSON	DIRECTOR	0.50	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	$1,483,790	$1,609,221	$468,437	$-125,431
2023	$310,884	$421,077	$603,093	$-110,193
2022	$383,511	$244,965	$846,345	$138,546
2021	$342,089	$322,652	$563,877	$19,437
2020	$323,911	$296,111	$550,512	$27,800
2019	$295,480	$522,971	$517,421	$-227,491
2018	$1,099,843	$660,821	$746,690	$439,022

NCAR HOUSING OPPORTUNITY FOUNDATION