Wyoming Valley Habitat for Humanity (EIN 232604510) - 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

1990

Legal Domicile

Principal Officer

James Zarra

Phone

5708208002

Tax Period

2024-07-01 to 2025-06-30

Wyoming Valley Habitat for Humanity, founded in 1990, is a small nonprofit that reported $421K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $515K exceeded revenue, resulting in a 22% operating deficit.

Mission

WVHFH BUILDS SIMPLE, DECENT HOUSING TO SELL TO FAMILIES 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 $147,938

Program Service Revenue $0

Investment Income $-90,117

Other Revenue $363,421

TOTAL REVENUE $421,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $299,510

Fundraising Expenses $17,160

Program Expenses $459,349

Other Expenses $215,820

TOTAL EXPENSES $515,330

Year-over-Year Comparison

	2024	2023	Change
Revenue	$421,242	$383,240	+0.1%
Expenses	$515,330	$455,144	+0.1%
Net Income	$-94,088	$-71,904	+0.3%

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

275

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

$46,323

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Karen Kaufer	Executive Dir to 12124	40.00	Key Emp	$38,246	$0	$38,246
Kelly Mulhern	Executive Dir eff 12124	40.00	Key Emp	$8,077	$0	$8,077
Kelly Bray	President VP eff 7125	2.00	Officer Director	$0	$0	$0
Ellen Watkins	Treasurer	2.00	Officer Director	$0	$0	$0
Greg J Barrouk	Director	2.00	Director	$0	$0	$0
Leonard Shimko	Director to 63025	2.00	Director	$0	$0	$0
Frank Sepko	Executive Committee	2.00	Director	$0	$0	$0
Tracey Williams-DeRocco	Director	2.00	Director	$0	$0	$0
James Zarra	Vice Pres Pres eff 7125	2.00	Officer Director	$0	$0	$0
Thomas J Gercak	Director	2.00	Director	$0	$0	$0
Michael E Kordek	Director	2.00	Director	$0	$0	$0
Bernard Stelma	Director	2.00	Director	$0	$0	$0
Traci Donahue	Director to 63025	2.00	Director	$0	$0	$0
Eric Woelfel	Director	2.00	Director	$0	$0	$0
Thomas R Wysokinski Jr	Executive Committee	2.00	Director	$0	$0	$0
Amanda Stacey	Secretary	2.00	Officer Director	$0	$0	$0
Marlee Lambert	Director	2.00	Director	$0	$0	$0
Marley Zbierski	Director	2.00	Director	$0	$0	$0
Eric Ohinski	Director	2.00	Director	$0	$0	$0
Christopher Court	Director eff 7125	2.00	Director	$0	$0	$0
Mallery Nobile-Strubeck	Director eff 7125	2.00	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	$421,242	$515,330	$1,346,303	$-94,088
2024	$383,240	$455,144	$1,449,945	$-71,904
2023	$432,539	$411,500	$1,543,928	$21,039
2022	$562,747	$427,994	$1,471,098	$134,753
2021	$440,983	$332,622	$1,005,028	$108,361
2020	$397,462	$353,404	$899,270	$44,058
2019	$342,534	$413,794	$836,744	$-71,260
2018	$361,757	$345,305	$899,354	$16,452

Wyoming Valley Habitat for Humanity