LOUDOUN HABITAT FOR HUMANITY (EIN 541666448) - 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

1993

Legal Domicile

Principal Officer

JUDY SINGER

Phone

7037376772

Tax Period

2024-07-01 to 2025-06-30

LOUDOUN HABITAT FOR HUMANITY, founded in 1993, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2018. Revenue fell 36% from the prior year — a significant decline worth monitoring.

Mission

BUILDING STRENGTH, STABILITY, AND SELF-RELIANCE THROUGH HOMEOWNERSHIP, HOME REPAIR AND FINANCIAL EDUCATION.

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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 $1,101,757

Program Service Revenue $438,330

Investment Income $21,329

Other Revenue $3,651

TOTAL REVENUE $1,565,067

Expense Breakdown

Grants Paid $313,540

Salaries & Benefits $608,337

Fundraising Expenses $164,476

Program Expenses $1,554,380

Other Expenses $989,848

TOTAL EXPENSES $1,911,725

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,565,067	$2,203,655	-0.3%
Expenses	$1,911,725	$1,855,480	+0.0%
Net Income	$-346,658	$348,175	-2.0%

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

Volunteers

208

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

$75,499

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUDY SINGER	PRESIDENT	40.00	Officer	$73,999	$1,500	$75,499
RICHARD RUCKMAN	CHAIR	10.00	Officer Director	$0	$0	$0
MIHALIS PONTIKIS	VICE CHAIR	10.00	Officer Director	$0	$0	$0
KRISTINA WHITTAKER	SECRETARY	10.00	Officer Director	$0	$0	$0
TIMOTHY DAVIS	TREASURER	10.00	Officer Director	$0	$0	$0
KEITH BARRETT	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BUTTERFIELD	DIRECTOR	1.00	Director	$0	$0	$0
SALLY CROSEN	DIRECTOR	1.00	Director	$0	$0	$0
ZACHARY CUMMINGS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES FRITTS	DIRECTOR	1.00	Director	$0	$0	$0
HAYDEN HALL	DIRECTOR	1.00	Director	$0	$0	$0
STRICK HEILMAN	DIRECTOR	1.00	Director	$0	$0	$0
LISA JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
ALLISON METZGER	DIRECTOR	1.00	Director	$0	$0	$0
JAMES RUSSELL	DIRECTOR	1.00	Director	$0	$0	$0
AL STORM	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	$1,565,067	$1,911,725	$1,638,222	$-346,658
2024	$2,203,655	$1,855,480	$2,079,588	$348,175
2023	$1,884,478	$2,030,978	$1,348,611	$-146,500
2022	$1,840,715	$1,808,154	$1,811,993	$32,561
2021	$3,499,520	$3,565,320	$1,817,454	$-65,800
2020	$3,726,947	$3,713,009	$1,854,048	$13,938
2019	$2,531,706	$2,547,670	$1,942,638	$-15,964

LOUDOUN HABITAT FOR HUMANITY