Graham County Rural Housing Development Association Inc (EIN 860334140) - 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

1977

Legal Domicile

Principal Officer

Janice Lovett

Phone

9284285610

Tax Period

2024-07-01 to 2025-06-30

Graham County Rural Housing Development Association Inc, founded in 1977, is a small nonprofit in the Housing & Shelter sector that reported $374K in total revenue in fiscal year 2024. Expenses of $320K left a modest 15% surplus.

Mission

Provide economically designed and constructed rural housing suited for independent living of senior citizens, handicapped persons, and other persons of low or moderate income

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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 (2024)

Revenue Breakdown

Contributions & Grants $170,196

Program Service Revenue $187,916

Investment Income $16,366

Other Revenue $0

TOTAL REVENUE $374,478

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $307,769

Other Expenses $319,724

TOTAL EXPENSES $319,724

Year-over-Year Comparison

	2024	2023	Change
Revenue	$374,478	$364,977	+0.0%
Expenses	$319,724	$342,475	-0.1%
Net Income	$54,754	$22,502	+1.4%

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
Janice Lovett	President	1.50	Officer Director	$0	$0	$0
Juanita McCluskey	Vice President	1.50	Officer Director	$0	$0	$0
Kerry Kelley	Treasurer	1.50	Officer Director	$0	$0	$0
Nora Gann	Secretary	1.50	Officer Director	$0	$0	$0
William Wearne	Director	1.00	Director	$0	$0	$0
Larry Reynolds	Director	1.00	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
2025	$374,478	$319,724	$3,231,883	$54,754
2024	No data	No data	No data	No data
2018	$209,395	$192,495	$1,820,090	$16,900

Graham County Rural Housing Development Association Inc