HABITAT FOR HUMANITY LOCKPORT INC (EIN 161498122) - 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

1996

Legal Domicile

Principal Officer

REV J FAY CLEVELAND

Phone

7164335073

Tax Period

2024-01-01 to 2024-12-31

HABITAT FOR HUMANITY LOCKPORT INC, founded in 1996, is a micro nonprofit that reported $6K in total revenue in fiscal year 2024. Revenue surged 148% from the prior year, signaling strong growth momentum. Expenses of $33K exceeded revenue, resulting in a 468% operating deficit.

Mission

TO PROVIDE HOUSING FOR THE ECONOMICALLY DISADVANTAGED

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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 $4,572

Program Service Revenue $0

Investment Income $1,113

Other Revenue $99

TOTAL REVENUE $5,784

Expense Breakdown

Grants Paid $15,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $32,868

Other Expenses $17,868

TOTAL EXPENSES $32,868

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,784	$2,333	+1.5%
Expenses	$32,868	$17,860	+0.8%
Net Income	$-27,084	$-15,527	+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

N/A

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
REV J FAY CLEVELAND	PRESIDENT	3.00	Officer	$0	$0	$0
REV PATRICIA LUDWIG	VICE PRESIDENT	1.00	Officer	$0	$0	$0
ROBERT A MUFFLER	TREASURER	3.00	Officer	$0	$0	$0
REV PATRICIA LUDWIG	SECRETARY	2.00	Officer	$0	$0	$0
PATRICIA KAPAAN	ASSISTANT 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
2024	$5,784	$32,868	$478,874	$-27,084
2023	$2,333	$17,860	$518,583	$-15,527
2022	$12,577	$23,670	$533,054	$-11,093
2021	$34,225	$22,037	$544,482	$12,188
2020	$8,888	$26,296	$537,771	$-17,408
2019	$4,327	$19,958	$556,225	$-15,631
2018	$91,480	$110,989	$576,405	$-19,509

HABITAT FOR HUMANITY LOCKPORT INC