ROANOKE REGIONAL HOME BUILDERS ASSO (EIN 540584888) - 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

1955

Legal Domicile

Principal Officer

AMY LOWMAN

Phone

5403897135

Tax Period

2025-01-01 to 2025-12-31

ROANOKE REGIONAL HOME BUILDERS ASSO, founded in 1955, is a small nonprofit that reported $338K in total revenue in fiscal year 2018. Revenue decreased 18% compared to the prior year. Expenses of $314K left a modest 7% surplus.

Mission

MISSION STATEMENT: TO SERVE, SUPPORT AND REPRESENT THE HOME BUILDING INDUSTRY

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $431,644

Investment Income $19,725

Other Revenue $0

TOTAL REVENUE $451,369

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,416

Fundraising Expenses $0

Program Expenses $315,813

Other Expenses $318,097

TOTAL EXPENSES $422,513

Year-over-Year Comparison

	2025	2024	Change
Revenue	$451,369	$417,953	+0.1%
Expenses	$422,513	$406,931	+0.0%
Net Income	$28,856	$11,022	+1.6%

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

100

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

$74,663

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY LOWMAN	EXECUTIVE OF	40.00	Officer	$58,065	$16,598	$74,663
ANDREW ALEGRE	INDIVIDUAL D	N/A	Director	$0	$0	$0
EMILY BAILEY	SECRETARY	N/A	Director	$0	$0	$0
STEPHEN BENNETT	VICE PRESIDE	N/A	Director	$0	$0	$0
STEPHEN BENNETT	INDIVIDUAL D	N/A	Director	$0	$0	$0
ALEXANDER BOONE	INDIVIDUAL D	N/A	Director	$0	$0	$0
JOHN BROCK	INDIVIDUAL D	N/A	Director	$0	$0	$0
CHRIS BURNS	INDIVIDUAL D	N/A	Director	$0	$0	$0
SHAWN CALLAHAN	INDIVIDUAL D	N/A	Director	$0	$0	$0
MALLORY COOK	INDIVIDUAL D	N/A	Director	$0	$0	$0
PETER FIELDS	INDIVIDUAL D	N/A	Director	$0	$0	$0
STEPHEN FISHER	IMMEDIATE PA	N/A	Director	$0	$0	$0
CLARK GOODMAN	INDIVIDUAL D	N/A	Director	$0	$0	$0
NIKKI GRIFFIN	INDIVIDUAL D	N/A	Director	$0	$0	$0
DAVE HECKMAN	INDIVIDUAL D	N/A	Director	$0	$0	$0
JOHN HOPKINS	INDIVIDUAL D	N/A	Director	$0	$0	$0
JENNY HUNGATE	PRESIDENT	N/A	Director	$0	$0	$0
FRANK CALDWELL IV	INDIVIDUAL D	N/A	Director	$0	$0	$0
GARY JUDD	INDIVIDUAL D	N/A	Director	$0	$0	$0
PARKER MIDYETTE	INDIVIDUAL D	N/A	Director	$0	$0	$0
ALISON O'BRIEN	INDIVIDUAL D	N/A	Director	$0	$0	$0
MARK OVERSTREET	INDIVIDUAL D	N/A	Director	$0	$0	$0
ALICIA SMITH	INDIVIDUAL D	N/A	Director	$0	$0	$0
VAYLON SPENCER	TREASURER	N/A	Director	$0	$0	$0
CHRIS WADE	VP/ASSOCIATE	N/A	Director	$0	$0	$0
JR WRAY	INDIVIDUAL D	N/A	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	$451,369	$422,513	$446,687	$28,856
2024	$417,953	$406,931	$401,023	$11,022
2023	$357,225	$378,369	$438,661	$-21,144
2022	$399,275	$387,247	$312,118	$12,028
2021	$324,246	$291,561	$357,303	$32,685
2020	$441,383	$303,822	$342,649	$137,561
2019	$370,881	$330,895	$246,314	$39,986
2018	$338,431	$314,031	$185,800	$24,400

ROANOKE REGIONAL HOME BUILDERS ASSO