LOUDON COUNTY HABITAT FOR HUMANITY (EIN 621525083) - 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

1992

Legal Domicile

Principal Officer

TONY GIBBONS

Phone

8654580704

Tax Period

2022-07-01 to 2023-06-30

LOUDON COUNTY HABITAT FOR HUMANITY, founded in 1992, is a community nonprofit in the Housing & Shelter sector that reported $1.7M in total revenue in fiscal year 2022. Revenue fell 48% from the prior year — a significant decline worth monitoring.

Mission

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

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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 (2022)

Revenue Breakdown

Contributions & Grants $1,005,042

Program Service Revenue $642,795

Investment Income $45,833

Other Revenue $-25,051

TOTAL REVENUE $1,668,619

Expense Breakdown

Grants Paid $0

Salaries & Benefits $606,864

Fundraising Expenses $103,758

Program Expenses $1,357,957

Other Expenses $1,067,887

TOTAL EXPENSES $1,674,751

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,668,619	$3,235,467	-0.5%
Expenses	$1,674,751	$1,324,348	+0.3%
Net Income	$-6,132	$1,911,119	-1.0%

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

Volunteers

229

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

$79,643

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHEILA BORDERS	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
MISSY GARNER	TREASURER	3.00	Officer Director	$0	$0	$0
BENN BROCK	DIRECTOR	5.00	Director	$0	$0	$0
TODD BOLINGER	DIRECTOR	3.00	Director	$0	$0	$0
MARK BRYAN	DIRECTOR	3.00	Director	$0	$0	$0
EDDIE CREEKMORE	DIRECTOR	3.00	Director	$0	$0	$0
JEANNE DARNELL	SECRETARY	3.00	Officer Director	$0	$0	$0
CHUCK PARMELE	DIRECTOR	3.00	Director	$0	$0	$0
JOANNA RICHARDSON	PRESIDENT	3.00	Officer Director	$0	$0	$0
TOM WALTERS	DIRECTOR	3.00	Director	$0	$0	$0
JUDY FINLEY	DIRECTOR	3.00	Director	$0	$0	$0
TONY GIBBONS	EXECUTIVE DIRECTOR	40.00	Officer	$77,663	$1,980	$79,643

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	$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

LOUDON COUNTY HABITAT FOR HUMANITY