Habitat For Humanity Of Culpeper County (EIN 541943662) - 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

1998

Legal Domicile

Principal Officer

Bill Bradford

Phone

5405474685

Tax Period

2024-01-01 to 2024-12-31

HABITAT FOR HUMANITY OF CULPEPER, founded in 1998, is a micro nonprofit that reported $11K in total revenue in fiscal year 2018. Revenue fell 91% from the prior year — a significant decline worth monitoring. Expenses of $12K exceeded revenue, resulting in a 13% operating deficit.

Mission

CONSTRUCTION, REHABILITATION AND REFURBISHING OF 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 $51,122

Program Service Revenue $161,634

Investment Income $17,600

Other Revenue $0

TOTAL REVENUE $230,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,828

Fundraising Expenses $230

Program Expenses $27,780

Other Expenses $30,633

TOTAL EXPENSES $38,461

Year-over-Year Comparison

	2024	2023	Change
Revenue	$230,356	$167,868	+0.4%
Expenses	$38,461	$17,450	+1.2%
Net Income	$191,895	$150,418	+0.3%

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

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
Bill Bradford	President	32.00	Officer Director	$0	$0	$0
Mike Gerzina	Vice President	16.00	Officer Director	$0	$0	$0
Allen Schirmer	Treasurer	2.00	Officer Director	$0	$0	$0
Bruce Cornwall	Director	10.00	Director	$0	$0	$0
Jerry Martire	Director	1.00	Director	$0	$0	$0
Nolan Rigg	Director	2.00	Director	$0	$0	$0
Randy Parker	Director	1.00	Director	$0	$0	$0
Gwendolyn Steele	Secretary	2.00	Officer Director	$0	$0	$0
Amanda Reck	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	$230,356	$38,461	$883,408	$191,895
2023	$167,868	$17,450	$700,341	$150,418
2022	$19,097	$8,276	$540,436	$10,821
2021	$16,809	$12,697	$530,126	$4,112
2020	$150,635	$134,645	$527,167	$15,990
2019	$136,699	$157,063	$512,423	$-20,364
2018	$10,666	$12,096	$577,083	$-1,430

Habitat For Humanity Of Culpeper County