HCFN TITLE HOLDING CORPORATION (EIN 821735390) - 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

2017

Legal Domicile

Principal Officer

STEPHEN DAVIS

Phone

8169293000

Tax Period

2023-07-01 to 2024-06-30

HCFN TITLE HOLDING CORPORATION, founded in 2017, is a mid-sized nonprofit in the Food, Agriculture & Nutrition sector that reported $21.5M in total revenue in fiscal year 2023. Revenue surged 2338% from the prior year, signaling strong growth momentum. The organization ran a surplus of $20.0M, a strong 93% operating margin.

Mission

TO SUPPORT HARVESTERS - THE COMMUNITY FOOD NETWORK, A TAX-EXEMPT HUNGER RELIEF ORGANIZATION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $10,625,425

Program Service Revenue $776,985

Investment Income $1,722,939

Other Revenue $8,402,981

TOTAL REVENUE $21,528,330

Expense Breakdown

Grants Paid $428,589

Salaries & Benefits $0

Fundraising Expenses $29,138

Program Expenses $1,430,708

Other Expenses $1,114,153

TOTAL EXPENSES $1,542,742

Year-over-Year Comparison

	2023	2022	Change
Revenue	$21,528,330	$882,961	+23.4%
Expenses	$1,542,742	$1,545,552	0.0%
Net Income	$19,985,588	$-662,591	-31.2%

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

$907,088

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
S BRENT VARZALY	CHAIR	1.00	Officer Director	$0	$0	$0
CARRIE MCATEE	SECRETARY	1.00	Officer Director	$0	$0	$0
DAN CRUMB	TREASURER	1.00	Officer Director	$0	$0	$0
TOM REORDA	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SVETLIC	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN DAVIS	PRESIDENT & CEO	1.00	Officer	$0	$30,352	$310,394
JOANNA SEBELIEN	CHIEF RESOURCE OFFICER	1.00	Officer	$0	$27,533	$241,365
ROBIN POTTS	CHIEF FINANCIAL OFFICER	1.00	Officer	$0	$24,039	$202,008
MONIC HOUPE	CHIEF OPERATING OFFICER	1.00	Officer	$0	$14,622	$153,321

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	No data	No data	No data	No data
2024	$21,528,330	$1,542,742	$24,069,603	$19,985,588
2023	$882,961	$1,545,552	$14,553,280	$-662,591
2022	$982,731	$1,644,957	$15,148,426	$-662,226
2021	$983,086	$1,698,296	$15,798,430	$-715,210
2020	$983,018	$1,454,999	$16,501,400	$-471,981
2019	$989,528	$2,040,680	$16,961,123	$-1,051,152

HCFN TITLE HOLDING CORPORATION