VHO INC (EIN 811931423) - 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

2016

Legal Domicile

Principal Officer

CRAIG H FRIEDMANN

Phone

7037760454

Tax Period

2024-01-01 to 2024-12-31

VHO INC, founded in 2016, is a small nonprofit in the Diseases & Disorders sector that reported $212K in total revenue in fiscal year 2018. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $193K left a modest 9% surplus.

Mission

VIRGINIA HEALTH OPTIONS (VHO) WORKS TO EXPAND ACCESS TO HEALTHCARE AMONG LOW-INCOME INDIVIDUALS, INDIVIDUALS WITH SPECIAL MEDICAL NEEDS, AND OTHER UNDERSERVED POPULATIONS WHO HAVE EXPERIENCED BARRIERS OBTAINING, UNDERSTANDING AND EFFECTIVELY USING HEALTH INSURANCE AND HEALTH SERVICES.

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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 $50

Program Service Revenue $1,130,101

Investment Income $0

Other Revenue $7,770

TOTAL REVENUE $1,137,921

Expense Breakdown

Grants Paid $0

Salaries & Benefits $532,487

Fundraising Expenses $0

Program Expenses $1,068,100

Other Expenses $616,908

TOTAL EXPENSES $1,149,395

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,137,921	$956,409	+0.2%
Expenses	$1,149,395	$972,784	+0.2%
Net Income	$-11,474	$-16,375	-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

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

$105,465

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER ZOERKLER-MORGAN	Executive Dir.	40.00	Officer	$105,465	$0	$105,465
CRAIG H FRIEDMANN	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JAN REITMAN	Secretary/Treas	1.00	Officer Director	$0	$0	$0
T MICHAEL JANKOWSKI	Director	1.00	Director	$0	$0	$0
STEVE PORETZ	Vice President	1.00	Officer 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	$1,137,921	$1,149,395	$1,409,590	$-11,474
2023	$956,409	$972,784	$398,781	$-16,375
2022	$744,348	$717,368	$585,164	$26,980
2021	$648,147	$503,450	$392,457	$144,697
2020	$532,313	$390,245	$238,342	$142,068
2019	$322,594	$291,056	$110,999	$31,538
2018	$212,495	$193,135	$74,172	$19,360

VHO INC