HABITAT FOR HUMANITY OF MIFFLIN CO

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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

2001

Legal Domicile

Principal Officer

JEFFREY BELL

Phone

7179941581

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF MIFFLIN CO, founded in 2001, is a micro nonprofit in the Housing & Shelter sector that reported $38K in total revenue in fiscal year 2024. Revenue fell 84% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $6K, a strong 17% operating margin.

Mission

CONSTRUCT AFFORDABLE HOUSING FOR LOW INCOME FAMILIES WITHIN MIFFLIN COUNTY.

Program Service Accomplishments

Program 1

Expenses: $31,370

ADMINISTRATIVE AND RELATED COSTS TO CONSTRUCT AFFORDABLE HOUSING FOR LOW INCOME FAMILIES WITHIN MIFFLIN COUNTY USING VOLUNTEERS AND NEW HOME OWNERS TO SUPPLEMENT EXPERIENCED CONTRACTORS.

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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 $35,226

Program Service Revenue $0

Investment Income $2,401

Other Revenue $-55

TOTAL REVENUE $37,572

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $31,370

Other Expenses $31,370

TOTAL EXPENSES $31,370

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,572	$234,244	-0.8%
Expenses	$31,370	$250,939	-0.9%
Net Income	$6,202	$-16,695	-1.4%

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

N/A

Volunteers

150

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
DAVID COBLE	FINANCIALMORTGAGE ADVISOR	1.00	Director	$0	$0	$0
JEANNE HENDRICKS	COMPLIANCE&BRUSH OF KINDNESS	1.00	Director	$0	$0	$0
HAROLD AITKIN	CONSTRUCTIONSITE SELECTION	5.00	Director	$0	$0	$0
JAMES BAIR	CONSTRUCTION	5.00	Director	$0	$0	$0
GERRY AITKIN	FAMILY SELECTION	1.00	Director	$0	$0	$0
PEGGY SNYDER	FAMILY SUPPORT	1.00	Director	$0	$0	$0
LORI HENRY	FAMILY SUPPORTTHRIVENT REP	1.00	Director	$0	$0	$0
DONALD POWELL	SAFETY	1.00	Director	$0	$0	$0
JEFFREY BELL	PRESIDENT	20.00	Officer	$0	$0	$0
WANDA MCCULLOUGH	VICE PRESIDENT	10.00	Officer	$0	$0	$0
JUANITA HENRY	TREASURERTHRIVENT REP	5.00	Officer	$0	$0	$0
CATHY RHYMER	ASSISTANT TREASURERMKTING & DEV	5.00	Officer	$0	$0	$0
NICOLE WRAY	SECRETARY	5.00	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	$37,572	$31,370	$765,222	$6,202
2024	$234,244	$250,939	$714,046	$-16,695
2023	$35,372	$49,437	$730,641	$-14,065
2022	$22,312	$52,170	$743,556	$-29,858
2021	$210,306	$19,904	$772,814	$190,402
2020	$66,250	$15,274	$619,063	$50,976
2019	$64,050	$13,351	$568,087	$50,699