HERMITAGE CAPITAL AND RESERVE CORPORATION (EIN 462641284) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2013

Legal Domicile

Principal Officer

CHRISTOPHER P HENDERSON

Phone

8044748700

Tax Period

2024-06-01 to 2025-05-31

HERMITAGE CAPITAL AND RESERVE CORPORATION, founded in 2013, is a small nonprofit in the Human Services sector that reported $197K in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $196K, a strong 100% operating margin.

Mission

PROVIDE SUPPORT TO PINNACLE LIVING AND WINDSORMEADE WILLIAMSBURG.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $1,244,314

Other Revenue $0

TOTAL REVENUE $1,244,314

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,244,314	$583,581	+1.1%
Expenses	N/A	N/A	N/A
Net Income	N/A	$583,581	N/A

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

$785,552

Total Directors

$785,552

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER P HENDERSON	PRESIDENT	1.00	Officer Director	$0	$29,334	$785,552
WILLIAM H PETERSON	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
SHIRLEY M CAUFFMAN	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS R HARRISON JR	DIRECTOR	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	$1,244,314	No data	$51,856,747	No data
2024	$583,581	No data	$45,028,524	No data
2023	$189,264	$1,860	$30,162,892	$187,404
2022	$131,670	$1,027	$16,618,908	$130,643
2021	$60,094	$1,723	$19,048,478	$58,371
2020	$215,226	$689	$15,715,450	$214,537
2019	$196,651	$710	$7,791,023	$195,941

HERMITAGE CAPITAL AND RESERVE CORPORATION