PRESBYTERIAN HOUSING FOUNDATION OF WEST VIRGINIA INC (EIN 550709270) - Form 990 Financial Analysis & Trantor Score

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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

ANDREW R CEPERLEY

Phone

6144512151

Tax Period

2024-10-01 to 2025-09-30

PRESBYTERIAN HOUSING FOUNDATION OF WEST VIRGINIA INC, founded in 1991, is a small nonprofit in the Religion sector that reported $509K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $209K, a strong 41% operating margin.

Mission

SUPPORT TO PRESBYTERY OF WEST VIRGINIA AND ITS HOUSING MINISTRY TO LOW-INCOME FAMILIES AND SENIOR CITIZENS OF WEST VIRGINIA.

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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 (2024)

Revenue Breakdown

Contributions & Grants $40,000

Program Service Revenue $202,664

Investment Income $266,692

Other Revenue $0

TOTAL REVENUE $509,356

Expense Breakdown

Grants Paid $47,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $259,774

Other Expenses $253,480

TOTAL EXPENSES $300,480

Year-over-Year Comparison

	2024	2023	Change
Revenue	$509,356	$442,715	+0.2%
Expenses	$300,480	$525,188	-0.4%
Net Income	$208,876	$-82,473	-3.5%

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

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
KAREN YOST	DIRECTOR	0.10	Director	$0	$0	$0
SONYA BROWN	DIRECTOR	0.10	Director	$0	$0	$0
CINDY HARKLESS	DIRECTOR	0.10	Director	$0	$0	$0
JAN POWELL	DIRECTOR	0.10	Director	$0	$0	$0
JUDY FORBUSH	DIRECTOR	0.10	Director	$0	$0	$0
PERRY KELLER	DIRECTOR	0.10	Director	$0	$0	$0
ED THOMPSON	DIRECTOR (EFF 1/1/25)	0.10	Director	$0	$0	$0
ANDREW R CEPERLEY	PRESIDENT	0.01	Officer	$0	$0	$0
JULIE WOOLLEY	SECRETARY	0.01	Officer	$0	$0	$0
JILL KOLB	TREASURER (THRU 8/1/25)	0.01	Officer	$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	$509,356	$300,480	$5,590,877	$208,876
2024	$442,715	$525,188	$5,119,752	$-82,473
2023	$276,166	$248,596	$4,567,551	$27,570
2022	$356,396	$540,927	$4,132,405	$-184,531
2021	$407,223	$257,702	$5,257,404	$149,521
2020	$258,728	$245,548	$4,624,446	$13,180
2019	$227,895	$241,581	$4,315,364	$-13,686

PRESBYTERIAN HOUSING FOUNDATION OF WEST VIRGINIA INC