MONMOUTH COUNTY HABITAT FOR HUMANITY INC (EIN 223284309) - 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

MEREDITH DARCHE

Phone

7327280441

Tax Period

2024-07-01 to 2025-06-30

MONMOUTH COUNTY HABITAT FOR HUMANITY INC, founded in 1993, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. Revenue surged 61% from the prior year, signaling strong growth momentum. The organization ran a surplus of $865K, a strong 27% operating margin.

Mission

THE ORGANIZATION IS AN AFFILIATE OF HABITAT FOR HUMANITY INTERNATIONAL, WHICH SEEKS TO ELIMINATE SUBSTANDARD HOUSING WORLDWIDE. THE ORGANIZATION HELPS LOW-INCOME FAMILIES ACHIEVE THE DREAM OF HOME OWNERSHIP

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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 $1,568,230

Program Service Revenue $1,283,723

Investment Income $7,938

Other Revenue $315,784

TOTAL REVENUE $3,175,675

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,031,681

Fundraising Expenses $76,100

Program Expenses $1,834,757

Other Expenses $1,278,961

TOTAL EXPENSES $2,310,642

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,175,675	$1,970,059	+0.6%
Expenses	$2,310,642	$2,071,030	+0.1%
Net Income	$865,033	$-100,971	-9.6%

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

200

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

$46,109

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM STULB	PRESIDENT	3.00	Officer	$0	$0	$0
DANIEL LAUER	VICE PRESIDE	3.00	Officer	$0	$0	$0
BRIAN WALDRON	TREASURER	3.00	Officer	$0	$0	$0
STEPHANIE CESARIO	SECRETARY	3.00	Officer	$0	$0	$0
RANDY BISHOP	TRUSTEE	3.00	Director	$0	$0	$0
SARINA BRADY	TRUSTEE	3.00	Director	$0	$0	$0
JOHN CHIAPPINELLI	TRUSTEE	3.00	Director	$0	$0	$0
ROBIN GINSBURG	TRUSTEE	3.00	Director	$0	$0	$0
RICH GRANDELLI	TRUSTEE	3.00	Director	$0	$0	$0
PAUL JENSEN	TRUSTEE	3.00	Director	$0	$0	$0
FELICIA LEVINE	TRUSTEE	3.00	Director	$0	$0	$0
ROCCO MORRONGIELLO	TRUSTEE	3.00	Director	$0	$0	$0
GERALD SCHARFENBERGER	TRUSTEE	3.00	Director	$0	$0	$0
MEREDITH DARCHE	EXECUTIVE DI	40.00	Officer	$46,109	$0	$46,109

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	$3,175,675	$2,310,642	$3,935,086	$865,033
2024	$1,970,059	$2,071,030	$1,685,694	$-100,971
2023	$1,825,073	$2,247,951	$1,905,155	$-422,878
2022	$1,984,278	$1,357,347	$2,162,445	$626,931
2021	$1,999,300	$1,923,183	$2,310,972	$76,117
2020	$1,596,353	$2,017,379	$2,287,907	$-421,026
2019	$1,611,790	$1,546,974	$2,653,798	$64,816
2018	$1,642,194	$1,513,629	$2,623,488	$128,565

MONMOUTH COUNTY HABITAT FOR HUMANITY INC