HABITAT FOR HUMANITY OF BERGEN COUNTY INC (EIN 223238028) - 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

1994

Legal Domicile

Principal Officer

DAVE JULIANA

Phone

2014571020

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF BERGEN COUNTY INC, founded in 1994, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $1.7M left a modest 4% surplus.

Mission

TO PROVIDE DECENT, AFFORDABLE HOMES FOR HARDWORKING BERGEN COUNTY, NJ FAMILIES. WE JOIN IN A COMMON GOAL WITH OTHER AFFILIATES OF THIS INTERNATIONAL ORGANIZATION TO ELIMINATE POVERTY, LACK HOUSING AND HOMELESSNESS EVERYWHERE BY WORKING IN PARTNERSHIP WITH PEOPLE IN NEED.

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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 $626,997

Program Service Revenue $1,072,620

Investment Income $28,298

Other Revenue $21

TOTAL REVENUE $1,727,936

Expense Breakdown

Grants Paid $0

Salaries & Benefits $705,816

Fundraising Expenses $22,045

Program Expenses $925,642

Other Expenses $948,400

TOTAL EXPENSES $1,654,216

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,727,936	$1,591,451	+0.1%
Expenses	$1,654,216	$1,877,897	-0.1%
Net Income	$73,720	$-286,446	-1.3%

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

740

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

$162,968

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE JULIANA	TREASURER	10.00	Officer Director	$0	$0	$0
MARIA GESUALDI	DIRECTOR	2.00	Director	$0	$0	$0
JONATHAN SENOS	PRESIDENT	2.00	Officer Director	$0	$0	$0
BETTINA FOWLER	DIRECTOR	2.00	Director	$0	$0	$0
JANINE GETLER ESQ	DIRECTOR	2.00	Director	$0	$0	$0
THERESA CAPPARELLI	EXECUTIVE DIRECTOR	40.00	Officer	$147,117	$15,851	$162,968

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	$1,727,936	$1,654,216	$2,798,415	$73,720
2024	$1,591,451	$1,877,897	$2,948,765	$-286,446
2023	$1,554,205	$1,690,719	$3,522,919	$-136,514
2022	$2,379,996	$1,694,795	$1,989,483	$685,201
2021	$1,829,756	$1,937,089	$1,566,100	$-107,333
2020	$1,130,797	$2,189,203	$1,474,799	$-1,058,406
2019	$1,091,913	$1,242,049	$2,093,638	$-150,136
2018	$1,282,438	$1,204,645	$1,859,105	$77,793

HABITAT FOR HUMANITY OF BERGEN COUNTY INC