HABITAT FOR HUMANITY OF CAPE COD I… - 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

WENDY CULLINAN

Phone

5083623559

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF CAPE COD INC, founded in 1988, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2024. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $4.9M exceeded revenue, resulting in a 11% operating deficit.

Mission

THE MISSION OF HABITAT FOR HUMANITY OF CAPE COD IS TO BUILD HOMES, HOPE, LIVES AND COMMUNITY ON CAPE COD IN PARTNERSHIP WITH FAMILIES IN NEED.

Program Service Accomplishments

Program 1

Expenses: $4,152,458 Revenue: $615,107

DURING FISCAL YEAR 2024, HABITAT FOR HUMANITY OF CAPE COD WAS BUSY BUILDING 10 HOMES IN FALMOUTH, 4 HOMES IN DENNIS, 4 HOMES IN WELLFLEET, 3 HOMES IN SANDWICH 2 HOMES IN CHATHAM, 2 HOMES IN BREWSTER, ALL WITH LOCAL VOLUNTEERS AND THE SOON TO BE HOMEOWNERS. THESE HOMES WILL BE SOLD AT AN AFFORDABLE PRICE TO LOW INCOME FAMILIES WITH CRITICAL HOUSING NEEDS. ALL HABITAT HOMES ARE DEED RESTRICTED IN PERPETUITY TO REMAIN AFFORDABLE UPON ANY RESALE. OUR HOMES ARE CURRENTLY BUILT USING MANY ENERGY SAVING MEASURES AND SOLAR PANELS, AND ARE EXPECTED TO ACHIEVED A NET-ZERO, OR CLOSE-TO-ZERO "HERS" (HOME ENERGY RATINGS) RATING. THIS MEANS THE HOMES ARE VERYENERGY EFFICIENT, MAKING THEM EVEN MORE AFFORDABLE FOR THE NEW HOMEOWNERS. ALSO DURING FISCAL 2024, GROUND WORK AND PERMITTING WORK WAS UNDERWAY FOR 6-8 HOMES IN YARMOUTH, 4 HOMES IN FALMOUTH. OUR RESTORES CONTINUED TO PERFORM BEYOND EXPECTATIONS AND CONTINUED TO RAISE SIGNIFICANT FUNDS FOR THE WORK OF HABITAT, WHILE PROMOTING OUR MISSION, AND ENGAGING EVEN MORE COMMUNITY VOLUNTEERS. BOTH STORES ARE VERY HIGHLY RATED FOR SALES PER SQUARE FOOT COMPARED TO ALL THE RESTORES IN THE COUNTRY. HABITAT FOR HUMANITY OF CAPE COD, INC. CONTINUES TO SUSTAIN ITS PROGRAMS AND COMMUNITY IMPACT THROUGH A VERY DIVERSE COMMUNITY-BASED FUNDRAISING STRATEGY, AND WITH THE ENERGETIC INVOLVEMENT OF MANY HUNDREDS OF VOLUNTEERS AND DONORS, WHO GENEROUSLY DEDICATE FUNDS, TIME AND DIVERSE TALENTS TO FURTHERING OUR MISSION.

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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 $1,984,129

Program Service Revenue $615,107

Investment Income $165,932

Other Revenue $1,658,536

TOTAL REVENUE $4,423,704

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,209,726

Fundraising Expenses $366,290

Program Expenses $4,152,458

Other Expenses $2,719,666

TOTAL EXPENSES $4,929,392

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,423,704	$8,727,316	-0.5%
Expenses	$4,929,392	$8,836,723	-0.4%
Net Income	$-505,688	$-109,407	+3.6%

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

646

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

$167,771

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER KIMBALL	CHAIRMAN	2.00	Officer Director	$0	$0	$0
WES BLAIR	DIRECTOR	1.00	Director	$0	$0	$0
JOHN SCHOENHERR	TREASURER	2.00	Officer Director	$0	$0	$0
MICHELLE MEAGHER	DIRECTOR	1.00	Director	$0	$0	$0
PETER POLHEMUS	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
WARREN BRODIE	DIRECTOR	1.00	Director	$0	$0	$0
CAROL A FORGIONE	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL WHITING	DIRECTOR	1.00	Director	$0	$0	$0
SHARI L HAYES	CLERK	2.00	Officer Director	$0	$0	$0
LYNN JOHNSON	VICE CHAIR	2.00	Officer Director	$0	$0	$0
CINDY ROTH	ASSIST CLERK	2.00	Officer Director	$0	$0	$0
MELISSA WHEELER	DIRECTOR	1.00	Director	$0	$0	$0
WENDY CULLINAN	PRESIDENT &	40.00	Key Emp	$155,120	$12,651	$167,771
STEVEN XIARHOS	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT RYLEY	DIR OF CONST	40.00	Highest	$119,455	$3,584	$123,039
MARY CAMPBELL	COO	40.00	Highest	$119,734	$11,589	$131,323

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	$4,423,704	$4,929,392	$10,910,649	$-505,688
2024	$8,727,316	$8,836,723	$10,986,382	$-109,407
2023	$6,815,152	$5,419,714	$11,497,695	$1,395,438
2022	$5,229,112	$4,062,737	$9,542,224	$1,166,375
2021	$4,874,063	$5,029,328	$8,289,333	$-155,265
2020	$3,363,868	$2,587,571	$8,564,651	$776,297
2019	$57,367	$1,350,411	$7,470,298	$-1,293,044

HABITAT FOR HUMANITY OF CAPE COD INC