WORKFORCE HOUSING LENDING CORPORATION

EIN: 874624665 501(c)(3) Housing & Shelter

Sturgeon Bay, WI

Total Revenue
$302,250
Total Expenses
$71,558
Total Assets
$762,340
Net Assets
$253,192
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2022
Legal Domicile
WI
Principal Officer
Noel Halvorsen
Phone
9204483075
Tax Period
2025-01-01 to 2025-12-31

WORKFORCE HOUSING LENDING CORPORATION, founded in 2022, is a small nonprofit in the Housing & Shelter sector that reported $302K in total revenue in fiscal year 2025. Revenue surged 278% from the prior year, signaling strong growth momentum. The organization ran a surplus of $231K, a strong 76% operating margin.

Mission

To offer financing and other tools to increase the construction, availability, and accessibility of affordable workforce housing specifically in Door County, Wisconsin and generally throughout all of Northeast Wisconsin.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $296,000
Program Service Revenue $6,250
Investment Income $0
Other Revenue $0
TOTAL REVENUE $302,250

Expense Breakdown

Grants Paid $0
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $62,074
Other Expenses $71,558
TOTAL EXPENSES $71,558

Year-over-Year Comparison

2025 2024 Change
Revenue $302,250 $80,000 +2.8%
Expenses $71,558 $57,687 +0.2%
Net Income $230,692 $22,313 +9.3%
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

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Governance

Voting Members
13
Independent Members
13
Employees
N/A
Volunteers
13

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
3
$190,773
Total Directors
13
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Noel Halvorsen President & CEO 2
Officer
$0 $0 $190,773
Bret Bicoy Board Chair 2
Officer Director
$0 $0 $0
Roger Johnson Board Secretary 1
Officer Director
$0 $0 $0
John Herlache Board Member 1
Director
$0 $0 $0
Denis Hogan Board Member 1
Director
$0 $0 $0
Jeff Lutsey Board Member 1
Director
$0 $0 $0
Steve O'Hearn Board Member 1
Director
$0 $0 $0
Steve Kase Board Member 1
Director
$0 $0 $0
Kaaren Northrop Board Member 1
Director
$0 $0 $0
Gail Enke Board Member 1
Director
$0 $0 $0
Tim Treml Board Member 1
Director
$0 $0 $0
Chris Boland Board Member 1
Director
$0 $0 $0
Deby Dehn Board Member 1
Director
$0 $0 $0
Kathryn Sieman Board Member 1
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 $302,250 $71,558 $762,340 $230,692
2024 $80,000 $57,687 $580,139 $22,313
2023 $250 $63 $500,187 $187
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