HABITAT FOR HUMANITY OF BEAVER COUNTY INC (EIN 251694774) - 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

1992

Legal Domicile

Principal Officer

DENIS L SUTTER

Phone

7248461630

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF BEAVER COUNTY INC, founded in 1992, is a small nonprofit that reported $421K in total revenue in fiscal year 2024. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $362K left a modest 14% surplus.

Mission

LOW-INCOME HOUSING CONSTRUCTION

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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 $258,439

Program Service Revenue $51,317

Investment Income $-9,539

Other Revenue $120,602

TOTAL REVENUE $420,819

Expense Breakdown

Grants Paid $6,152

Salaries & Benefits $253,434

Fundraising Expenses $24,472

Program Expenses $224,112

Other Expenses $102,469

TOTAL EXPENSES $362,055

Year-over-Year Comparison

	2024	2023	Change
Revenue	$420,819	$713,425	-0.4%
Expenses	$362,055	$607,586	-0.4%
Net Income	$58,764	$105,839	-0.4%

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

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

$61,375

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOUG CARSON	DIRECTOR	2.00	Director	$0	$0	$0
TAMI SCALES	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN SMITH	DIRECTOR	2.00	Director	$0	$0	$0
CHERYL HARTLE	SECRETARY	2.00	Officer Director	$0	$0	$0
GARRETT MORGAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
DENIS SUTTER	EXECUTIVE DIRECTOR	40.00	Officer	$61,375	$0	$61,375

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	$420,819	$362,055	$1,748,901	$58,764
2024	$713,425	$607,586	$1,691,366	$105,839
2023	$437,165	$274,558	$1,556,349	$162,607
2022	$316,554	$282,310	$1,431,267	$34,244
2021	$622,883	$535,335	$1,366,583	$87,548
2020	$536,672	$585,074	$1,313,832	$-48,402
2019	$571,653	$583,849	$1,309,797	$-12,196

HABITAT FOR HUMANITY OF BEAVER COUNTY INC