HABITAT FOR HUMANITY INTERNATIONAL INC (EIN 251595686) - 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

1989

Legal Domicile

Principal Officer

Renee Cratty

Phone

7244527560

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY INTERNATIONAL INC, founded in 1989, is a micro nonprofit in the Housing & Shelter sector that reported $83K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $29K, a strong 35% operating margin.

Mission

Construction of decent low cost houses with zero interest mortgages for families who otherwise can't obtain houses.

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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 $39,491

Program Service Revenue $30,289

Investment Income $0

Other Revenue $12,981

TOTAL REVENUE $82,761

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $53,643

Other Expenses $53,643

TOTAL EXPENSES $53,643

Year-over-Year Comparison

	2024	2023	Change
Revenue	$82,761	$97,593	-0.2%
Expenses	$53,643	$53,594	+0.0%
Net Income	$29,118	$43,999	-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

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
Carl Heinlein	Safety Director	5	Director	$0	$0	$0
Ron Gigler	President	4	Officer	$0	$0	$0
Chris Williams	Vice President	4	Officer	$0	$0	$0
G Renee Cratty	Treasurer	10	Officer	$0	$0	$0
Judy Kercovich	Secretary	6	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
2025	$82,761	$53,643	$818,465	$29,118
2024	$97,593	$53,594	$786,838	$43,999
2023	$70,375	$50,531	$796,030	$19,844
2022	$77,002	$50,597	$797,271	$26,405
2021	$76,215	$54,836	$749,490	$21,379
2020	$89,909	$55,622	$752,270	$34,287
2019	$89,493	$54,430	$768,021	$35,063
2018	$163,297	$160,934	$802,562	$2,363

HABITAT FOR HUMANITY INTERNATIONAL INC