NORTHERN BERKSHIRE HABITAT FOR HUMANITY INC (EIN 043092658) - 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

MARY MORRISON

Phone

4136639335

Tax Period

2024-07-01 to 2025-06-30

NORTHERN BERKSHIRE HABITAT FOR HUMANITY INC, founded in 1990, is a micro nonprofit in the Housing & Shelter sector that reported $52K in total revenue in fiscal year 2024. Revenue fell 73% from the prior year — a significant decline worth monitoring. Expenses of $99K exceeded revenue, resulting in a 91% operating deficit.

Mission

PROVIDE LOW COST HOUSING

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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 $38,059

Program Service Revenue $0

Investment Income $3,512

Other Revenue $10,306

TOTAL REVENUE $51,877

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,667

Fundraising Expenses $2,209

Program Expenses $65,965

Other Expenses $81,468

TOTAL EXPENSES $99,135

Year-over-Year Comparison

	2024	2023	Change
Revenue	$51,877	$195,611	-0.7%
Expenses	$99,135	$303,736	-0.7%
Net Income	$-47,258	$-108,125	-0.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEITH DAVIS	CO -PRESIDENT	1.00	Officer Director	$0	$0	$0
BRAD SCHUECKLER	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK DUNLAVEY	DIRECTOR	1.00	Director	$0	$0	$0
JENNY DUNNING	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH GOODMAN	CO - PRESIDENT	1.00	Officer Director	$0	$0	$0
MARY MORRISON	TREASURER	3.00	Officer Director	$0	$0	$0
BRIAN HANDSPICKER	DIRECTOR	1.00	Director	$0	$0	$0
ANDY HOPELAND	DIRECTOR	1.00	Director	$0	$0	$0
PAUL AUSTIN	PROJECT MANAGER	3.00	Director	$0	$0	$0
KATHERINE KALKER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN OGLE	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	$51,877	$99,135	$644,892	$-47,258
2024	No data	No data	No data	No data
2023	$95,056	$35,852	$801,592	$59,204
2022	$382,754	$217,591	$742,497	$165,163
2021	$139,222	$43,064	$581,315	$96,158

NORTHERN BERKSHIRE HABITAT FOR HUMANITY INC