HABITAT FOR HUMANITY OF GEORGIA INC (EIN 264246183) - 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

2009

Legal Domicile

Principal Officer

JONATHAN CUNDIFF

Phone

4702225717

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF GEORGIA INC, founded in 2009, is a small nonprofit that reported $545K in total revenue in fiscal year 2024. Revenue surged 226% from the prior year, signaling strong growth momentum. The organization ran a surplus of $134K, a strong 25% operating margin.

Mission

PUTTING GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE.

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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 $300,436

Program Service Revenue $202,617

Investment Income $37,363

Other Revenue $4,420

TOTAL REVENUE $544,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,111

Fundraising Expenses $14,522

Program Expenses $327,590

Other Expenses $327,598

TOTAL EXPENSES $410,709

Year-over-Year Comparison

	2024	2023	Change
Revenue	$544,836	$166,912	+2.3%
Expenses	$410,709	$234,760	+0.7%
Net Income	$134,127	$-67,848	-3.0%

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

$77,333

Total Directors

$3,833

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMIE FARMER-ECHOLS	DIRECTOR	1.00	Director	$0	$0	$0
COURTNEY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
ERIC ARNOLD	DIRECTOR	1.00	Director	$0	$0	$0
TRACEY KINNEY	DIRECTOR	1.00	Director	$0	$0	$0
ALISON GOLDEY	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA JENKINS	DIRECTOR	1.00	Director	$0	$0	$0
ANDY MORGAN	SECRETARY	2.00	Director	$0	$0	$0
JONATHAN CUNDIFF	TREASURER	2.00	Director	$0	$0	$0
ARTHUR CHRISTIANSON	VICE CHAIR	2.00	Director	$0	$0	$0
PERRY MCWILLIAM	AFFILIATE SUPPORT COORDINA	2.00	Director	$3,583	$250	$3,833
DONNA LUSK	DIRECTOR OF AFFILIATE SUCC	40.00	Officer	$68,333	$9,000	$77,333
RYAN WILLOUGHBY	PRESIDENT & CEO	40.00	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	$544,836	$410,709	$920,922	$134,127
2024	$166,912	$234,760	$860,150	$-67,848
2023	$218,755	$378,013	$1,231,086	$-159,258
2022	$488,860	$279,412	$884,601	$209,448
2021	$99,924	$207,479	$703,082	$-107,555
2020	$87,568	$119,761	$761,000	$-32,193
2019	$731,748	$236,910	$780,830	$494,838
2018	$322,451	$150,751	$322,957	$171,700

HABITAT FOR HUMANITY OF GEORGIA INC