Cumberland County Habitat for Humanity (EIN 222991562) - 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

Phone

8565630292

Tax Period

2024-07-01 to 2025-06-30

Cumberland County Habitat for Humanity is a small nonprofit that reported $473K in total revenue in fiscal year 2024. Revenue fell 48% from the prior year — a significant decline worth monitoring. Expenses of $590K exceeded revenue, resulting in a 25% operating deficit.

Mission

Seeking to put gods love into action, Habitat for Humanity brings people together to build homes, communities, and hope.

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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 $123,283

Program Service Revenue $312,610

Investment Income $4,657

Other Revenue $32,919

TOTAL REVENUE $473,469

Expense Breakdown

Grants Paid $0

Salaries & Benefits $337,696

Fundraising Expenses $30,876

Program Expenses $395,739

Other Expenses $251,933

TOTAL EXPENSES $589,629

Year-over-Year Comparison

	2024	2023	Change
Revenue	$473,469	$917,262	-0.5%
Expenses	$589,629	$911,354	-0.4%
Net Income	$-116,160	$5,908	-20.7%

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

Volunteers

N/A

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

$67,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Wiiliam Gonzalez	Executive Dir.	40.00	Officer	$67,000	$0	$67,000
Robert Buono	Vice President	3.00	Officer Director	$0	$0	$0
Linda Hinckley	Secretary	3.00	Officer Director	$0	$0	$0
David Mazowski	Treasurer	1.00	Officer Director	$0	$0	$0
David Scales	President	3.00	Officer Director	$0	$0	$0
Olga Soto	Trustee	1.00	Director	$0	$0	$0
John Inferrera	Trustee	1.00	Director	$0	$0	$0
Rev Benjamin Ocasio	Trustee	1.00	Director	$0	$0	$0
Luz Vasquez	Trustee	0.00	Director	$0	$0	$0
Jose Lugo	Trustee	0.00	Director	$0	$0	$0
Paul Thakkar	Trustee	0.00	Director	$0	$0	$0
Dawn Berry	Trustee	0.00	Director	$0	$0	$0
Michelle Loyola	Trustee	0.00	Director	$0	$0	$0
Albert Fisher	Trustee	0.00	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	$473,469	$589,629	$259,013	$-116,160
2024	$917,262	$911,354	$379,738	$5,908
2023	$751,197	$554,352	$500,326	$196,845
2022	$107,926	$176,887	$355,804	$-68,961
2022	$94,434	$216,038	$303,161	$-121,604
2021	$165,312	$152,372	$442,652	$12,940
2020	$86,923	$157,713	$413,467	$-70,790
2019	$378,882	$278,806	$379,699	$100,076

Cumberland County Habitat for Humanity