HABITAT FOR HUMANITY (EIN 223248213) - 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

1993

Legal Domicile

Principal Officer

PAM VREELAND

Phone

9739400503

Tax Period

2024-01-01 to 2024-12-31

HABITAT FOR HUMANITY, founded in 1993, is a micro nonprofit that reported $67K in total revenue in fiscal year 2024. Revenue fell 71% from the prior year — a significant decline worth monitoring. Expenses of $122K exceeded revenue, resulting in a 81% operating deficit.

Mission

TO IMPLEMENT THE GOSPEL OF JESUS CHRIST IN SUSSEX COUNTY, NJ, THROUGHOUT THE U.S., AND AROUND THE WORLD BY WORKING WITH ECONOMICALLY DISADVANTAGED PEOPLE TO HELP THEM TO CREATE A BETTER HUMAN HABITAT IN WHICH TO LIVE/WORK.

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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 $49,039

Program Service Revenue $13,114

Investment Income $5,250

Other Revenue $18

TOTAL REVENUE $67,421

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $105,147

Other Expenses $121,758

TOTAL EXPENSES $121,758

Year-over-Year Comparison

	2024	2023	Change
Revenue	$67,421	$235,933	-0.7%
Expenses	$121,758	$121,042	+0.0%
Net Income	$-54,337	$114,891	-1.5%

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
JULY FOX	TRUSTEE	3.00	Director	$0	$0	$0
LEE LINDY	TRUSTEE	20.00	Director	$0	$0	$0
BARBARA SCHAFER	TRUSTEE	10.00	Director	$0	$0	$0
GABRIELLE COCCIO	TRUSTEE	1.00	Director	$0	$0	$0
SANDY GARDNER	TRUSTEE	1.00	Director	$0	$0	$0
JAMES P CIARAVOLO	TRUSTEE	25.00	Director	$0	$0	$0
PAMELA VREELAND	PRESIDENT	25.00	Officer	$0	$0	$0
KEN AULICINO	VICE PRESIDENT	20.00	Officer	$0	$0	$0
TERISITA BOLLELA	TREASURER	10.00	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	$67,421	$121,758	No data	$-54,337
2023	$41,321	$37,905	$936,358	$3,416
2023	$235,933	$121,042	$877,056	$114,891
2022	$31,388	$54,092	$897,430	$-22,704
2021	$25,318	$37,627	$918,028	$-12,309
2018	$117,049	$80,299	$665,445	$36,750

HABITAT FOR HUMANITY