ALLEGANY CO HABITAT FOR HUMANITY INC

EIN: 270517477 501(c)(3) Housing & Shelter

LAVALE, MD

Total Revenue
$235,673
Total Expenses
$172,690
Total Assets
$451,041
Net Assets
$440,442
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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
MD
Principal Officer
CINDY SCHARTIGER
Phone
3017845154
Tax Period
2025-01-01 to 2025-12-31

ALLEGANY CO HABITAT FOR HUMANITY INC, founded in 2009, is a small nonprofit in the Housing & Shelter sector that reported $236K in total revenue in fiscal year 2025. Revenue surged 89% from the prior year, signaling strong growth momentum. The organization ran a surplus of $63K, a strong 27% operating margin.

Mission

TO PROVIDE FINANCIAL AND CONSTRUCTION ASSISTANCE TO LOW-INCOME INDIVIDUALS IN BUILDING SAFE AND ADEQUATE HOUSING.

Program Service Accomplishments

Program 1
Expenses: $22,784 Revenue: $3,852

PROVIDE FINANCIAL AND CONSTRUCTION ASSISTANCE TO LOW-INCOME INDIVIDUALS IN BUILDING SAFE AND ADEQUATE HOUSING.

Program 2
Expenses: $143,592 Revenue: $148,384

HOME STORE - REVENUE FROM DONATED ITEMS USED TO ENHANCE THE PROGRAM SERVICE ACTIVITIES OF PROVIDING AFFORDABLE AND DECENT HOUSING FOR CITIZENS OF ALLEGANY COUNTY, MD.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $25,611
Program Service Revenue $152,236
Investment Income $0
Other Revenue $57,826
TOTAL REVENUE $235,673

Expense Breakdown

Grants Paid $0
Salaries & Benefits $54,097
Fundraising Expenses $0
Program Expenses $166,376
Other Expenses $118,593
TOTAL EXPENSES $172,690

Year-over-Year Comparison

2025 2024 Change
Revenue $235,673 $124,634 +0.9%
Expenses $172,690 $41,424 +3.2%
Net Income $62,983 $83,210 -0.2%
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

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Governance

Voting Members
8
Independent Members
8
Employees
8
Volunteers
N/A

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
4
$0
Total Directors
8
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
STEVE MACGRAY PRESIDENT N/A
Officer Director
$0 $0 $0
RAE ANN SMITH VICE PRESIDE N/A
Officer Director
$0 $0 $0
KATHY ROGERS SECRETARY N/A
Officer Director
$0 $0 $0
CINDY SCHARTIGER TREASURER N/A
Officer Director
$0 $0 $0
GEORGE LAPP BOARD MEMBER N/A
Director
$0 $0 $0
ANGEL YATES BOARD MEMBER N/A
Director
$0 $0 $0
MELISSA LEYDIG BOARD MEMBER N/A
Director
$0 $0 $0
NICHOLAS COSTELLO BOARD MEMBER N/A
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 $235,673 $172,690 $451,041 $62,983
2024 No data No data No data No data
2023 $78,902 $21,903 $295,748 $56,999
2022 $84,801 $106,953 $241,090 $-22,152
2021 $25,869 $7,067 $232,341 $18,802
2020 $30,776 $8,079 $213,222 $22,697
2019 $130,495 $94,551 $190,072 $35,944
2018 $48,320 $45,519 $153,999 $2,801
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