HABITAT FOR HUMANITY IN THE ROANOKE VALLEY INC (EIN 541375465) - 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

1986

Legal Domicile

Principal Officer

KAREN MASON

Phone

5403440747

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY IN THE ROANOKE VALLEY, founded in 1986, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2017. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $2.9M left a modest 15% surplus.

Mission

To provide affordable housing opportunities in partnership with the community for qualified families by building houses and selling them at cost with a no-interest or zero equivalency loan.

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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 $2,871,006

Program Service Revenue $1,636,227

Investment Income $149,937

Other Revenue $752,153

TOTAL REVENUE $5,409,323

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,225,583

Fundraising Expenses $135,453

Program Expenses $5,598,293

Other Expenses $4,706,101

TOTAL EXPENSES $5,931,684

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,409,323	$5,499,793	0.0%
Expenses	$5,931,684	$5,115,771	+0.2%
Net Income	$-522,361	$384,022	-2.4%

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

850

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

$118,776

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN MASON	Executive Dir.	40.00	Officer	$110,886	$7,890	$118,776
DAVE PROSSER	President	1.00	Officer Director	$0	$0	$0
RANDY GATZKE	Treasurer	1.00	Officer Director	$0	$0	$0
GIGI HALL	Director	1.00	Director	$0	$0	$0
JOHN BLANTON	Vice President	1.00	Officer Director	$0	$0	$0
STEPHANIE LEISER	Secretary	1.00	Officer Director	$0	$0	$0
BAILEY JENKINS	Director	1.00	Director	$0	$0	$0
BOB WILLS	Director	1.00	Director	$0	$0	$0
JAMES M COOK III	Director	1.00	Director	$0	$0	$0
DAWN SANDIVAL	Director	1.00	Director	$0	$0	$0
SUNNI PURVIANCE	Director	1.00	Director	$0	$0	$0
JEFF PARKHILL	Director	1.00	Director	$0	$0	$0
PASTOR DAVID SHEARER	Director	1.00	Director	$0	$0	$0
WAYNE STRICKLAND	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	$5,409,323	$5,931,684	$12,837,217	$-522,361
2024	$5,499,793	$5,115,771	$11,120,319	$384,022
2023	$4,749,437	$3,576,400	$11,585,594	$1,173,037
2022	$3,667,366	$3,815,137	$10,548,366	$-147,771
2022	$3,667,366	$3,815,137	$10,223,732	$-147,771
2021	$3,275,413	$2,602,064	$7,720,086	$673,349
2020	$3,127,145	$2,883,308	$7,217,210	$243,837
2019	$3,118,300	$2,808,690	$6,747,669	$309,610
2018	$3,409,670	$2,898,627	$6,384,589	$511,043

HABITAT FOR HUMANITY IN THE ROANOKE VALLEY INC