PROJECT CROSSROADS

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

HARRY HOWE

Phone

2767823339

Tax Period

2023-01-01 to 2023-12-31

PROJECT CROSSROADS, founded in 1991, is a small nonprofit in the Unknown sector that reported $193K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year. Expenses of $235K exceeded revenue, resulting in a 22% operating deficit.

Mission

TO HELP PROVIDE SAFE, HEALTHY AND AFFORDABLE HOUSING FOR EXISTING AND POTENTIAL LOW-INCOME, ELDERLY, AND HANDICAP FAMILIES TO PROVIDE FIREWOOD TO LOW-INCOME FAMILIES TO HELP HEAT THEIR HOME TO AID WITH DISASTER RESPONSE DURING LOCAL AND NATIONAL DISASTERS TO PROVIDE PRIMARY CARE FOR UNINSURED INDIVIDUALS IN PARTNERSHIP WITH LOCAL FREE CLINIC

Program Service Accomplishments

Program 1

Expenses: $148,231

PURCHASED MATERIALS FOR HANDICAP RAMPS: REPAIRED FLOORS AND PORCHES, INSTALLED WINDOWS AND PUT VINYL SIDING ON HOMES

Program 2

Expenses: $27,000

AMOUNTS PAID FOR HEARING AIDS GIVEN TO LOW INCOME INDIVIDUALS WITH HEARING LOSS DURING RAM CLINIC.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $192,994

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $192,994

Expense Breakdown

Grants Paid $59,813

Salaries & Benefits $76,130

Fundraising Expenses $0

Program Expenses $175,231

Other Expenses $80,528

TOTAL EXPENSES $235,393

Year-over-Year Comparison

	2023	2022	Change
Revenue	$192,994	$209,071	-0.1%
Expenses	$235,393	$185,946	+0.3%
Net Income	$-42,399	$23,125	-2.8%

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

N/A

Employees

N/A

Volunteers

200

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

Total Directors

$47,676

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL HUBER	BOARD CHAIR	N/A	Officer Director	$0	$0	$0
JAMES PENNINGTON	BOARD VICE C	N/A	Officer Director	$0	$0	$0
PATTY HAYES	FINANCE MGR	N/A	Officer Director	$0	$0	$0
PADDIE SCOTT	BOARD SECRET	N/A	Officer Director	$0	$0	$0
CHARLES HARRINGTON	BOARD MEMBER	N/A	Director	$0	$0	$0
RAY MATNEY	BOARD MEMBER	N/A	Director	$0	$0	$0
BETSY FRITZ	BOARD MEMBER	N/A	Director	$0	$0	$0
HARRY FLEMMING	BOARD MEMBER	N/A	Director	$0	$0	$0
JANE TAYLOR	BOARD MEMBER	N/A	Director	$0	$0	$0
MARIA BRISCOE	BOARD MEMBER	N/A	Director	$0	$0	$0
REGINA ROBERTS	BOARD MEMBER	N/A	Director	$0	$0	$0
SAM EVANS	BOARD MEMBER	N/A	Director	$0	$0	$0
HARRY HOWE	EXECUTIVE DI	40.00	Director	$28,676	$9,000	$37,676
MIKE WALKER	EX OFICIO BO	30.00	Director	$10,000	$0	$10,000
TERESA MCNEIL	BOARD MEMBER	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
2024	No data	No data	No data	No data
2023	$192,994	$235,393	$261,097	$-42,399
2022	$209,071	$185,946	$303,496	$23,125