REVITALIZE HOME MORTGAGE INC (EIN 812363993) - 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

2016

Legal Domicile

Principal Officer

IAN BENISTON

Phone

3304800423

Tax Period

2020-01-01 to 2020-12-31

REVITALIZE HOME MORTGAGE INC, founded in 2016, is a micro nonprofit in the Housing & Shelter sector that reported $213 in total revenue in fiscal year 2020. Revenue fell 96% from the prior year — a significant decline worth monitoring. Expenses of $27K exceeded revenue, resulting in a 12721% operating deficit.

Mission

TO PROMOTE NEIGHBORHOOD REVITALIZATION THROUGH THE CREATION OF SUSTAINABLE HOMEOWNERSHIP OPPORTUNITIES BY PROVIDING ACCESS TO CAPITAL AND EDUCATION IN UNDERSERVED MAHONING VALLEY COMMUNITIES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $213

Other Revenue $0

TOTAL REVENUE $213

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $27,263

Other Expenses $27,308

TOTAL EXPENSES $27,308

Year-over-Year Comparison

	2020	2019	Change
Revenue	$213	$5,301	-1.0%
Expenses	$27,308	$562,968	-1.0%
Net Income	$-27,095	$-557,667	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GERMAINE BENNETT	PRESIDENT	1.00	Director	$0	$0	$0
JUNE JOHNSON	VICE-PRESIDENT	1.00	Director	$0	$0	$0
LISA METZINGER	TREASURER	1.00	Director	$0	$0	$0
TOM HULL	SECRETARY	1.00	Director	$0	$0	$0
JUAN SANTIAGO	DIRECTOR	1.00		$0	$0	$0
IAN BENISTON	EXECUTIVE DIRECTOR	5.00	Key Emp	$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
2020	$213	$27,308	$87,053	$-27,095
2019	$5,301	$562,968	$114,186	$-557,667
2018	$5,949	$19,019	$671,276	$-13,070

REVITALIZE HOME MORTGAGE INC