Ability Housing Inc

Nonprofit profile at a glance

EIN
593087085
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Jacksonville, FL, USA
Phone
9043599650
Rating
80
Verdict
STRONG
Rating confidence
Moderate
Sector
Rehabilitative Medical Services

Official website

Reported finances

Revenue
$12,137,595
Expenses
$10,788,437
Assets
$44,292,924
Liabilities
$25,196,587

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

14 people listed

Executive titles in this filing

  • SHANNON NAZWORTH (PRESIDENT & TREASURER)

Highest reported compensation

  • SHANNON NAZWORTH (PRESIDENT & TREASURER): $236,275 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

See schedule o

What it reported doing in 2025

The villages program is the development and operation of quality multi-family rental properties that provide housing affordable to low-, very low- and extremely low-income individuals and families; some of whom were homeless prior to entering the housing. The villages program is operated to foster the resiliency and mobility of all residents. Individualized support services are offered to all residents. For residents that require more intensive services, permanent supportive housing case management and peer supports are provided. The villages program provides 967 units of quality affordable housing at ten properties in duval county, two properties in orange county, and one property in osceola.we incorporate the corporation for supportive housing's seven dimensions of quality for supportive housing which promotes high quality housing and responsive and accountable management while building resident leadership and self-sufficiency. In 2025, ability housing received the corporation of supportive housing's dimensions of quality gold certification (the highest certification from a national leader in best practices for supportive housing). We are the only organization in Florida to receive this certification. The average resident income is approximately $15,066. Outcome: 626 apartments providing quality housing affordable to 1,639 low-income people.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and most voting board members are independent. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and fundraising costs are high for each dollar raised.

Rating breakdown

  • Financial Efficiency: 84
  • Transparency & Controls: 60
  • Accountability: 100
  • Sustainability: 62
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 83.2%; rating input score 83
  • Program expense ratio: 92.9%; rating input score 93
  • Fundraising efficiency: $22.11 raised per $1 spent on fundraising; rating input score 58; 58th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 11.1%; rating input score 61; 61st percentile among comparable filings
  • Total-asset coverage ratio: 4.11; rating input score 74; 74th percentile among comparable filings
  • Liabilities to assets ratio: 0.57; rating input score 22; 22nd percentile among comparable filings
  • Officer compensation ratio: 2.2%; rating input score 79; 79th percentile among comparable filings

Growth

  • Program expense growth: 13.2% per year; rating input score 100; 77th percentile among comparable filings
  • Revenue growth: 13.6% per year; rating input score 100; 84th percentile among comparable filings
  • Asset growth: 10.2% per year; rating input score 100; 68th percentile among comparable filings

Details

  • Where the money goes: 83.2% of revenue deployed · 92.9% of spending went to programs
  • Governance: 14 of 14 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $10M in reported program spending
  • Leadership: top reported pay $236K · 14 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 26 of 26 current checks pass
  • Schedules: 5 filed schedules · includes executive pay
  • Filing history: 14 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Related organizations: 14 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • Review — Financial Efficiency: Fundraising efficiency scored 58/100.
  • High — Sustainability: Liabilities to assets ratio scored 22/100.