SHENANDOAH VALLEY LUTHERAN HOUSING INC T/A LUTHER CREST (EIN 521306161) - 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

1988

Legal Domicile

Principal Officer

CHARLES DOWNS

Phone

5405625443

Tax Period

2024-01-01 to 2024-12-31

SHENANDOAH VALLEY LUTHERAN HOUSING INC T/A LUTHER CREST, founded in 1988, is a small nonprofit that reported $315K in total revenue in fiscal year 2018.

Mission

PROVIDE HOUSING FOR ELDERLY AND/OR HANDICAPPED SENIORS. THE APARTMENT COMMUNITY CONTAINS 40 UNITS.

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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 $730,329

Program Service Revenue $358,126

Investment Income $8

Other Revenue $12,157

TOTAL REVENUE $1,100,620

Expense Breakdown

Grants Paid $0

Salaries & Benefits $69,661

Fundraising Expenses $0

Program Expenses $319,304

Other Expenses $380,029

TOTAL EXPENSES $449,690

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,100,620	$353,837	+2.1%
Expenses	$449,690	$377,067	+0.2%
Net Income	$650,930	$-23,230	-29.0%

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

$788,257

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV JAMES ARMENTROUT	CHAIR	2.00	Officer Director	$0	$0	$0
PHIL HARRIS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
JOHN HANNA	TREASURER	2.00	Officer Director	$0	$0	$0
REV K DAVID SKOLE	SECRETARY	2.00	Officer Director	$0	$0	$0
MICHAEL BIRD	DIRECTOR	2.00	Director	$0	$0	$0
ALLEN BLACKWOOD JR	DIRECTOR	2.00	Director	$0	$0	$0
JAMIE DILLARD	DIRECTOR	2.00	Director	$0	$0	$0
BARBARA L PHELPS	DIRECTOR	2.00	Director	$0	$0	$0
LAURA SWANSON	DIRECTOR	2.00	Director	$0	$0	$0
CHARLES DOWNS	PRESIDENT & CEO	4.00	Officer	$0	$24,594	$343,566
JENNIFER HICKLIN	CFO	4.00	Officer	$0	$18,205	$195,058
BEN BURKS	EXECUTIVE DIRECTOR/COO	8.00	Officer	$0	$20,520	$249,633

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	$1,100,620	$449,690	$540,862	$650,930
2023	$353,837	$377,067	$725,644	$-23,230
2022	$343,494	$352,032	$638,264	$-8,538
2021	$332,872	$335,717	$562,824	$-2,845
2020	$330,440	$327,256	$593,382	$3,184
2019	$333,373	$323,813	$631,909	$9,560
2018	$315,358	$316,513	$677,367	$-1,155

SHENANDOAH VALLEY LUTHERAN HOUSING INC T/A LUTHER CREST