HABITAT FOR HUMANITY NORTH CENTRAL… - Form 990 Financial Data

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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

1988

Legal Domicile

Principal Officer

KRISTOPHER MCKELVIE

Phone

8605412208

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY NORTH CENTRAL CONNECTICUT, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $6.2M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

HARTFORD AREA HABITAT FOR HUMANITY IS DEDICATED TO STRENGTHENING COMMUNITIES BY EMPOWERING LOW-INCOME FAMILIES TO CHANGE THEIR LIVES AND THE LIVES OF FUTURE GENERATIONS THROUGH HOMEOWNERSHIP OPPORTUNITIES. THIS IS ACCOMPLISHED BY WORKING IN PARTNERSHIP WITH DIVERSE PEOPLE, FROM ALL WALKS OF LIFE, TO BUILD SIMPLE, DECENT AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $3,057,491 Revenue: $1,411,526

BUILDING OF HOMES FOR LOW INCOME INDIVIDUALS.

Program 2

Expenses: $2,718,617 Revenue: $1,320,016

HOME IMPROVEMENT STORE AND DONATION CENTER.

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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 $3,352,891

Program Service Revenue $2,731,542

Investment Income $72,642

Other Revenue $45,726

TOTAL REVENUE $6,202,801

Expense Breakdown

Grants Paid $80,725

Salaries & Benefits $2,017,402

Fundraising Expenses $345,365

Program Expenses $5,776,108

Other Expenses $4,382,379

TOTAL EXPENSES $6,480,506

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,202,801	$5,459,066	+0.1%
Expenses	$6,480,506	$3,912,748	+0.7%
Net Income	$-277,705	$1,546,318	-1.2%

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

4000

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

$180,661

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARRAINE MOODY	CHIEF EXECUTIVE OFFICER	40.00	Officer	$162,240	$18,421	$180,661
KRISTOPHER MCKELVIE	CHIEF OPERATING OFFICER	40.00	Highest	$104,000	$12,211	$116,211
CRYSTAL FLOYD	PRESIDENT	1.00	Officer Director	$0	$0	$0
DONALD BATES	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ELLEN BELOW	TREASURER	1.00	Officer Director	$0	$0	$0
NAKISHA FARQUHARSON	SECRETARY	1.00	Officer Director	$0	$0	$0
CUREENE BLAKE	DIRECTOR	1.00	Director	$0	$0	$0
MONICA BLANCO	DIRECTOR	1.00	Director	$0	$0	$0
INDRANI CHAKRABORTY	DIRECTOR	1.00	Director	$0	$0	$0
SHARON CHEEKS	DIRECTOR	1.00	Director	$0	$0	$0
IAN COHEN	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS ELLIOT JR	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER GUIDRY	DIRECTOR (UNTIL 02/25)	1.00	Director	$0	$0	$0
BRIAN ROMELL	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL SCHILKE	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	$6,202,801	$6,480,506	$10,593,947	$-277,705
2024	No data	No data	No data	No data
2023	$5,763,372	$6,725,942	$9,413,447	$-962,570
2022	$5,987,518	$5,860,677	$9,427,897	$126,841
2021	$4,867,607	$5,243,514	$9,184,266	$-375,907
2020	$4,650,123	$4,767,910	$10,119,870	$-117,787
2019	$4,983,677	$4,185,338	$10,189,543	$798,339
2018	$5,816,410	$6,308,577	$13,982,138	$-492,167

HABITAT FOR HUMANITY NORTH CENTRAL CONNECTICUT