LOUDON COUNTY HABITAT FOR HUMANITY

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1992

Legal Domicile

Principal Officer

TONY GIBBONS

Phone

8654580704

Tax Period

2024-07-01 to 2025-06-30

LOUDON COUNTY HABITAT FOR HUMANITY, founded in 1992, is a community nonprofit in the Housing & Shelter sector that reported $2.5M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $440K, a strong 18% operating margin.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE.

Program Service Accomplishments

Program 1

Expenses: $1,235,072 Revenue: $431,037

THE ORGANIZATION CONSTRUCTS AFFORDABLE HOUSING FOR SALE TO LOW INCOME FAMILIES BY PROVIDING ZERO-LOW INTEREST FINANCING. FAMILIES ARE SELECTED BASED ON NEED, ABILITY TO REPAY THE LOAN, WILLINGNESS TO PROVIDE VOLUNTEER SERVICES AND PARTICIPATION IN HOMEOWNER EDUCATION. THE ORGANIZATION ALSO OFFERS CRITICAL REPAIRS TO SENIOR CITIZENS TO MAKE ACCESSIBILITY ENHANCEMENTS, ENERGY EFFICIENT IMPROVEMENTS AND CRITICAL HOME REPAIRS THAT ENABLE SENIOR CITIZENS TO MOVE AROUND SAFELY INSIDE THEIR HOMES AND COMPLETE THE ROUTINES OF DAILY LIVING. DURING THE YEAR ENDED 6/30/25, THE ORGANIZATION SOLD FOUR HOMES TO FAMILIES IN NEED AND HELPED 18 SENIOR CITIZENS WITH HOME REPAIRS.

Program 2

Expenses: $339,264 Revenue: $249,772

THE RESTORE IS OPEN TO EVERYONE AND PROVIDES A SOURCE OF REASONABLY PRICED NEW AND USED CLOTHING, HOUSEHOLD AND DECORATIVE ITEMS, TOOLS, AND FURNITURE FOR THE PUBLIC.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,632,545

Program Service Revenue $680,809

Investment Income $167,787

Other Revenue $-6,254

TOTAL REVENUE $2,474,887

Expense Breakdown

Grants Paid $0

Salaries & Benefits $820,779

Fundraising Expenses $146,286

Program Expenses $1,574,336

Other Expenses $1,213,722

TOTAL EXPENSES $2,034,501

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,474,887	$2,157,625	+0.1%
Expenses	$2,034,501	$2,210,386	-0.1%
Net Income	$440,386	$-52,761	-9.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

232

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

$100,326

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOANNA RICHARDSON	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
EDDIE CREEKMORE	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE PREVATTE	VICE PRESIDENT \TREASURER	1.00	Officer Director	$0	$0	$0
JEANNE DARNELL	SECRETARY	1.00	Officer Director	$0	$0	$0
MISSY GARNER	TREASURER (UNTIL 08/24)	1.00	Officer Director	$0	$0	$0
BROCK BENN	DIRECTOR	0.50	Director	$0	$0	$0
TODD BOLINGER	DIRECTOR	0.50	Director	$0	$0	$0
MARK BRYAN	DIRECTOR	0.50	Director	$0	$0	$0
MARK HACKNEY	DIRECTOR	0.50	Director	$0	$0	$0
JEN LAVERGHETTA	DIRECTOR	0.50	Director	$0	$0	$0
CHUCK PARMELE	DIRECTOR	0.50	Director	$0	$0	$0
JEFF SUTTON	DIRECTOR	0.50	Director	$0	$0	$0
TONY GIBBONS	EXECUTIVE DIRECTOR	40.00	Officer	$97,615	$2,711	$100,326

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	$2,474,887	$2,034,501	$5,030,980	$440,386
2024	No data	No data	No data	No data
2023	$1,668,619	$1,674,751	$4,369,436	$-6,132
2022	$3,235,467	$1,324,348	$3,987,347	$1,911,119
2021	$1,499,519	$1,248,281	$2,165,879	$251,238
2020	$1,236,361	$1,375,116	$2,302,450	$-138,755
2019	$1,558,483	$1,461,674	$2,388,663	$96,809