GREATER CHARLOTTESVILLE HABITAT FOR HUMANITY INC (EIN 541574925) - 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

1991

Legal Domicile

Principal Officer

DAN ROSENSWEIG

Phone

4342939066

Tax Period

2024-07-01 to 2025-06-30

GREATER CHARLOTTESVILLE HABITAT FOR HUMANITY INC, founded in 1991, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2017. Revenue decreased 6% compared to the prior year. Expenses of $6.2M exceeded revenue, resulting in a 12% operating deficit.

Mission

BRING PEOPLE TOGETHER TO BUILD HOMES AND COMMUNITIES TO PROVIDE SAFE, DECENT, AFFORDABLE HOUSING.

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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 $8,962,351

Program Service Revenue $2,781,631

Investment Income $70,287

Other Revenue $1,943,525

TOTAL REVENUE $13,757,794

Expense Breakdown

Grants Paid $26,640

Salaries & Benefits $4,060,196

Fundraising Expenses $521,804

Program Expenses $12,283,783

Other Expenses $10,134,263

TOTAL EXPENSES $14,221,099

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,757,794	$21,937,940	-0.4%
Expenses	$14,221,099	$22,543,672	-0.4%
Net Income	$-463,305	$-605,732	-0.2%

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

2270

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

$706,369

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEX URPI	CHAIR	7.50	Officer Director	$0	$0	$0
CONNOR CHILDRESS	SECRETARY	7.50	Officer Director	$0	$0	$0
BRAD SIMPSON	TREASURER	7.50	Officer Director	$0	$0	$0
CASS BAILEY	DIRECTOR	5.00	Director	$0	$0	$0
JOSEPH RAICHEL	DIRECTOR	5.00	Director	$0	$0	$0
YOLUNDA HARRELL	DIRECTOR	5.00	Director	$0	$0	$0
JOHN RAYMOND	DIRECTOR	5.00	Director	$0	$0	$0
CARLOS MORENO ESQ	DIRECTOR	5.00	Director	$0	$0	$0
ROB ARCHER	DIRECTOR	5.00	Director	$0	$0	$0
RHONDA ROBERTS	DIRECTOR	5.00	Director	$0	$0	$0
KIMBERLY SKELLY	VICE CHAIR	5.00	Officer Director	$0	$0	$0
JOSHUA WYKLE	DIRECTOR	5.00	Director	$0	$0	$0
BILLY WAYSON	DIRECTOR	5.00	Director	$0	$0	$0
TERRI ALLARD	DIRECTOR	5.00	Director	$0	$0	$0
DOUG TROUT	DIRECTOR	5.00	Director	$0	$0	$0
WENDY HORTON	DIRECTOR	5.00	Director	$0	$0	$0
DAN ROSENSWEIG	PRESIDENT/CEO	40.00	Officer	$208,513	$6,263	$214,776
DAVID SCHMIDT	CHIEF CONSTRUCTION OFFICER	40.00	Officer	$95,113	$9,710	$104,823
JANETTE MURPHY	VP & CHIEF PARTNERSHIP OFFICER	40.00	Officer	$128,859	$10,765	$139,624
MICHELLE WAMSLEY	VP & CHIEF ADVANCEMENT OFFICER	40.00	Officer	$166,063	$12,199	$178,262
MICHAEL SCHAFER	CHIEF FINANCIAL OFFICER	40.00	Officer	$64,105	$4,779	$68,884

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	$13,757,794	$14,221,099	$42,051,252	$-463,305
2024	$21,937,940	$22,543,672	$41,176,908	$-605,732
2023	$16,663,846	$15,699,429	$49,115,268	$964,417
2022	$16,550,354	$10,269,774	$40,599,071	$6,280,580
2021	$8,198,441	$8,354,571	$30,158,834	$-156,130
2020	$12,417,588	$7,090,141	$27,719,165	$5,327,447
2019	$6,736,933	$5,106,615	$22,240,260	$1,630,318
2018	$5,542,066	$6,232,933	$20,534,514	$-690,867

GREATER CHARLOTTESVILLE HABITAT FOR HUMANITY INC