ROANOKE VALLEY HOUSING CORPORATION (EIN 541841570) - 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

1995

Legal Domicile

Principal Officer

JACKIE AUSTIN

Phone

5409839240

Tax Period

2024-01-01 to 2024-12-31

ROANOKE VALLEY HOUSING CORPORATION, founded in 1995, is a micro nonprofit in the Housing & Shelter sector that reported $17 in total revenue in fiscal year 2020. Revenue fell 65% from the prior year — a significant decline worth monitoring. Expenses of $5K exceeded revenue, resulting in a 29912% operating deficit.

Mission

Facilitate the provision of affordable housing opportunites for low income families.

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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 $0

Program Service Revenue $0

Investment Income $7

Other Revenue $0

TOTAL REVENUE $7

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $3,750

Program Expenses $0

Other Expenses $5,104

TOTAL EXPENSES $5,104

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7	$8	-0.1%
Expenses	$5,104	$5,001	+0.0%
Net Income	$-5,097	$-4,993	+0.0%

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

N/A

Volunteers

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Edward Garner	President/Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Edward Murray	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
David Bustamante	Director	1.00	Director	$0	$0	$0
Joel Shank	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
2024	$7	$5,104	$68,856	$-5,097
2023	$8	$5,001	$73,953	$-4,993
2022	$8	$4,701	$78,946	$-4,693
2021	$9	$4,726	$83,640	$-4,717
2020	$17	$5,102	$88,357	$-5,085

ROANOKE VALLEY HOUSING CORPORATION