HABITAT FOR HUMANITY OF ST JOSEPH COUNTY INC (EIN 311196894) - 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

1987

Legal Domicile

Principal Officer

JAMES WILLIAMS

Phone

5742886967

Tax Period

2023-01-01 to 2023-12-31

HABITAT FOR HUMANITY OF ST JOSEPH COUNTY INC, founded in 1987, is a community nonprofit in the Housing & Shelter sector that reported $6.4M in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $1.1M, a strong 17% operating margin.

Mission

HABITAT BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITY AND HOPE. WE BUILD STRENGTH, STABILITY, AND SELF-RELIANCE THROUGH SHELTER. OUR VISION IS A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,292,157

Program Service Revenue $2,355,650

Investment Income $1,617,693

Other Revenue $86,107

TOTAL REVENUE $6,351,607

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $1,766,184

Fundraising Expenses $252,089

Program Expenses $4,571,247

Other Expenses $3,510,862

TOTAL EXPENSES $5,278,046

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,351,607	$7,027,121	-0.1%
Expenses	$5,278,046	$4,575,671	+0.2%
Net Income	$1,073,561	$2,451,450	-0.6%

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

905

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

$321,665

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES WILLIAMS	PRESIDENT &	40.00	Officer	$195,837	$5,857	$201,694
TERRI BURKS	DIRECTOR OF	40.00	Officer	$112,500	$7,471	$119,971
ROBERT DUNN PHD	DIRECTOR	1.00	Director	$0	$0	$0
DAVID JARRETT	DIRECTOR	1.00	Director	$0	$0	$0
LAURIE LADOW	DIRECTOR	1.00	Director	$0	$0	$0
JULIANA NEWBILL CPRW	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BEDIENT	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SHOEMAKER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL J VOGEL	DIRECTOR	1.00	Director	$0	$0	$0
BOBBI IMEL	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE GARCIA EDD	DIRECTOR	1.00	Director	$0	$0	$0
TARYN MACFARLANE	DIRECTOR	1.00	Director	$0	$0	$0
NICK BONTREGER	DIRECTOR	1.00	Director	$0	$0	$0
ANDY KNAPICK	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT RANSBERGER CPA	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER DREYER CSC	SECRETARY	2.00	Officer Director	$0	$0	$0
JENNIFER HOOVER	TREASURER	2.00	Officer Director	$0	$0	$0
MISSY LITTLE	VICE CHAIR	2.00	Officer Director	$0	$0	$0
MATTHEW CONN	CHAIR	2.00	Officer 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
2024	No data	No data	No data	No data
2023	$6,351,607	$5,278,046	$12,452,171	$1,073,561
2022	$7,027,121	$4,575,671	$11,186,521	$2,451,450
2021	$5,375,516	$5,042,797	$10,121,933	$332,719
2020	$4,311,581	$3,947,832	$9,941,594	$363,749
2019	$5,618,432	$5,682,319	$10,684,493	$-63,887
2018	$8,408,895	$7,991,192	$11,353,355	$417,703

HABITAT FOR HUMANITY OF ST JOSEPH COUNTY INC