HABITAT FOR HUMANITY OF THE LEHIGH VALLEY (EIN 232544326) - 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

1988

Legal Domicile

Phone

6107767737

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF THE LEHIGH VALLEY, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $3.7M in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $4.6M exceeded revenue, resulting in a 24% operating deficit.

Mission

HABITAT FOR HUMANITY OF THE LEHIGH VALLEY, INC. ENGAGES IN THE CONSTRUCTION, REHABILITATION, critical home repair, AND THE SALE OF HOUSING TO ECONOMICALLY DISADVANTAGED PEOPLE ON A NONPROFIT BASIS IN THE LEHIGH VALLEY AREA OF PENNSYLVANIA.

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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 $1,234,460

Program Service Revenue $680,006

Investment Income $15,318

Other Revenue $1,742,203

TOTAL REVENUE $3,671,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,258,891

Fundraising Expenses $311,167

Program Expenses $3,725,746

Other Expenses $3,291,113

TOTAL EXPENSES $4,550,004

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,671,987	$4,516,502	-0.2%
Expenses	$4,550,004	$4,528,436	+0.0%
Net Income	$-878,017	$-11,934	+72.6%

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

3657

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
Jessica Elliott	EXECUTIVE DIRECTOR	40.00		$144,237	$9,923	$154,160
Lauryn Graves	board member	0.50	Director	$0	$0	$0
Kelly Berfield	Board Member	0.50	Director	$0	$0	$0
Todd Lindsey	Board Member	0.50	Director	$0	$0	$0
Elisha Pugliese	board member	0.50	Director	$0	$0	$0
Jessica Goffredo Pantaleo	board member	0.50	Director	$0	$0	$0
Lindsay Watson	Board Member	0.50	Director	$0	$0	$0
Catherine Curcio	Board Member	0.50	Director	$0	$0	$0
Andrew W Elmore	tREASURER	0.50	Officer Director	$0	$0	$0
Kyle McLemore	board member	0.50	Director	$0	$0	$0
Kevin Davis	Secretary	0.50	Officer Director	$0	$0	$0
Terry Grier	board member	0.50	Director	$0	$0	$0
Kellie Rahl-Heffner	chair	0.50	Officer Director	$0	$0	$0
Justin Ryan	Board member	0.50	Director	$0	$0	$0
Tony Zimmerman	Board Member	0.50	Director	$0	$0	$0
carol kalmar	vICE cHAIR	0.50	Officer Director	$0	$0	$0
Richard Reynolds	Board Member	0.50	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	$3,671,987	$4,550,004	$12,238,209	$-878,017
2024	$4,516,502	$4,528,436	$12,295,426	$-11,934
2023	$8,426,659	$5,814,154	$10,869,883	$2,612,505
2022	$3,654,578	$2,625,047	$7,953,114	$1,029,531
2021	$3,157,096	$2,416,609	$6,933,886	$740,487
2020	$2,574,792	$2,240,576	$6,285,240	$334,216
2019	$2,732,994	$2,509,141	$6,006,525	$223,853

HABITAT FOR HUMANITY OF THE LEHIGH VALLEY