Habitat for Humanity of Salem County Inc (EIN 222446425) - 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

1982

Legal Domicile

Phone

8562997995

Tax Period

2024-07-01 to 2025-06-30

Habitat for Humanity of Salem County Inc, founded in 1982, is a small nonprofit in the Housing & Shelter sector that reported $650K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. Expenses of $740K exceeded revenue, resulting in a 14% operating deficit.

Mission

To build and refurbish homes for low income residents in Salem County, NJ.

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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 $271,259

Program Service Revenue $163,755

Investment Income $11,852

Other Revenue $202,922

TOTAL REVENUE $649,788

Expense Breakdown

Grants Paid $0

Salaries & Benefits $334,391

Fundraising Expenses $39,909

Program Expenses $617,088

Other Expenses $405,922

TOTAL EXPENSES $740,313

Year-over-Year Comparison

	2024	2023	Change
Revenue	$649,788	$735,884	-0.1%
Expenses	$740,313	$822,354	-0.1%
Net Income	$-90,525	$-86,470	+0.0%

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

$61,349

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sue Ann Leighty	Executive Dir.	40.00	Officer	$61,349	$0	$61,349
MIchael Napuda	Director	1.00	Director	$0	$0	$0
Carol Musso	Director	1.00	Director	$0	$0	$0
Ben Hankin	Director	1.00	Director	$0	$0	$0
Patty Bomba	Director	1.00	Director	$0	$0	$0
Ken Miller	Secretary	2.00	Officer Director	$0	$0	$0
Stuart Betsill	Director	1.00	Director	$0	$0	$0
Doug Wright	Director	1.00	Director	$0	$0	$0
Shannon Oberman	Vice President	1.00	Officer Director	$0	$0	$0
Katie Ferrell	Director	1.00	Director	$0	$0	$0
Jason Reese	Director	1.00	Officer Director	$0	$0	$0
Helen Townsend	President	3.00	Officer Director	$0	$0	$0
Ed Masker	Director	1.00	Director	$0	$0	$0
Debbie Benke	Director	1.00	Director	$0	$0	$0
Charles Hassler	Treasurer	2.00	Officer 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	$649,788	$740,313	$906,468	$-90,525
2024	$735,884	$822,354	$951,058	$-86,470
2023	$387,117	$416,286	$1,012,753	$-29,169
2022	$549,774	$537,114	$1,044,411	$12,660
2021	$555,511	$428,335	$1,047,566	$127,176
2020	$788,051	$844,022	$903,324	$-55,971
2019	$481,862	$515,929	$1,042,495	$-34,067

Habitat for Humanity of Salem County Inc