MIDCOAST HABITAT FOR HUMANITY (EIN 010455355) - 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

1990

Legal Domicile

Principal Officer

PETER BERKE

Phone

2072366123

Tax Period

2024-07-01 to 2025-06-30

MIDCOAST HABITAT FOR HUMANITY, founded in 1990, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2024. Revenue surged 101% from the prior year, signaling strong growth momentum. Expenses of $3.3M left a modest 14% surplus.

Mission

TO WORK IN COOPERATION WITH THE VISION AND PRINCIPLES OF HABITAT FOR HUMANITY INTERNATIONAL, BRINGING PEOPLE TOGETHER TO BUILD HOPE, HOMES, AND COMMUNITY AND END POVERTY HOUSING IN KNOX COUNTY, MAINE.

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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 $659,112

Program Service Revenue $2,864,061

Investment Income $198,619

Other Revenue $132,287

TOTAL REVENUE $3,854,079

Expense Breakdown

Grants Paid $0

Salaries & Benefits $532,429

Fundraising Expenses $227,129

Program Expenses $2,809,112

Other Expenses $2,766,128

TOTAL EXPENSES $3,298,557

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,854,079	$1,920,097	+1.0%
Expenses	$3,298,557	$1,305,119	+1.5%
Net Income	$555,522	$614,978	-0.1%

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

Volunteers

253

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

$99,665

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER BERKE	PRESIDENT	10.00	Officer Director	$0	$0	$0
KESSLER HORTY	DIRECTOR	0.50	Director	$0	$0	$0
JUSTIN EDELSTEIN	TREASURER	10.00	Officer Director	$0	$0	$0
ROBERT HOLLAND	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
PATTY EDDY	SECRETARY	10.00	Officer Director	$0	$0	$0
GERALD ZWICK	DIRECTOR	0.50	Director	$0	$0	$0
LESLIE LUTHER	DIRECTOR	0.50	Director	$0	$0	$0
BRIAN MICHAUD	DIRECTOR	0.50	Director	$0	$0	$0
VALLI GEIGER	DIRECTOR	0.50	Director	$0	$0	$0
PAM KENNISTON	DIRECTOR	0.50	Director	$0	$0	$0
DAN MATLACK	DIRECTOR	0.50	Director	$0	$0	$0
MEG SIDERIS	DIRECTOR	0.50	Director	$0	$0	$0
SARAH AUSTIN	DIRECTOR	0.50	Director	$0	$0	$0
TIA ANDERSON	EXECUTIVE DIRECTOR	40.00	Officer	$96,762	$2,903	$99,665

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	$3,854,079	$3,298,557	$3,832,270	$555,522
2024	$1,920,097	$1,305,119	$5,779,824	$614,978
2023	$1,704,074	$1,382,859	$4,111,260	$321,215
2022	$1,225,460	$1,127,053	$2,971,888	$98,407
2021	$1,257,460	$905,288	$3,045,607	$352,172
2020	$880,085	$602,504	$2,659,969	$277,581
2019	$662,049	$421,886	$2,044,678	$240,163
2018	$1,349,572	$1,036,457	$1,851,780	$313,115

MIDCOAST HABITAT FOR HUMANITY