PEMI-VALLEY HABITAT FOR HUMANITY INC (EIN 020462603) - 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

1993

Legal Domicile

Principal Officer

SUSAN MATHISON

Phone

6035361333

Tax Period

2023-07-01 to 2024-06-30

PEMI-VALLEY HABITAT FOR HUMANITY INC, founded in 1993, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023. The organization ran a surplus of $330K, a strong 29% operating margin.

Mission

THE PEMI-VALLEY HABITAT FOR HUMANITY, INC. BUILDS OR REMODELS LOW COST HOMES FOR LOW INCOME FAMILIES THAT MEET CERTAIN ELIGIBILITY REQUIREMENTS.

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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 $19,082

Program Service Revenue $15,638

Investment Income $4,582

Other Revenue $1,080,819

TOTAL REVENUE $1,120,121

Expense Breakdown

Grants Paid $0

Salaries & Benefits $441,352

Fundraising Expenses $173,834

Program Expenses $494,538

Other Expenses $348,973

TOTAL EXPENSES $790,325

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,120,121	$1,071,942	+0.0%
Expenses	$790,325	$877,584	-0.1%
Net Income	$329,796	$194,358	+0.7%

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

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

$103,249

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRANK MCCLAIN	Executive Dir.	40.00	Director	$103,249	$0	$103,249
ED VAN DORN	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM MAYHEW	BOARD MEMBER	1.00	Director	$0	$0	$0
ERROL TOWERS	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICIA ONEIL	BOARD MEMBER	1.00	Director	$0	$0	$0
DALE MOSHER	BOARD MEMBER	1.00	Director	$0	$0	$0
SUSAN MATHISON	President	1.00	Officer	$0	$0	$0
RENETTA OLESON	Treasurer	1.00	Officer	$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	No data	No data	No data	No data
2024	$1,120,121	$790,325	$3,486,758	$329,796
2023	$1,071,942	$877,584	$3,184,422	$194,358
2022	$733,177	$662,280	$1,961,196	$70,897
2021	$925,959	$655,752	$1,886,611	$270,207
2020	$480,348	$443,917	$1,615,768	$36,431

PEMI-VALLEY HABITAT FOR HUMANITY INC