HABITAT FOR HUMANITY OF SE OHIO

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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

1990

Legal Domicile

Principal Officer

MICHAEL FINNEY

Phone

7405920032

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF SE OHIO, founded in 1990, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2023. Expenses of $3.7M left a modest 11% surplus.

Mission

TO PROVIDE DECENT, AFFORDABLE HOUSING IN PARTNERSHIP WITH FAMILIES IN NEED AND OUR COMMUNITIES. TO MAKE ADEQUATE HOUSING A MATTER OF CONSCIENCE AND ACTION FOR EVERYONE.

Program Service Accomplishments

Program 1

Expenses: $2,894,317 Revenue: $1,235,623

HOMEOWNERSHIP - OUR HOMEOWNERSHIP PROGRAM WORKS IN PARTNERSHIP WITH FAMILIES TO PROVIDE THEM WITH A DECENT, AFFORDABLE HOME TO PURCHASE AND THEN PAY AN AFFORDABLE MORTGAGE. EACH HOMEOWNER HAS TO...

HOMEOWNERSHIP - OUR HOMEOWNERSHIP PROGRAM WORKS IN PARTNERSHIP WITH FAMILIES TO PROVIDE THEM WITH A DECENT, AFFORDABLE HOME TO PURCHASE AND THEN PAY AN AFFORDABLE MORTGAGE. EACH HOMEOWNER HAS TO COMPLETE SWEAT EQUITY HOURS AND MUST ATTEND EDUCATION CLASSES IN ORDER TO BECOME A HOMEOWNER UNDER THE HABITAT FOR HUMANITY OF SOUTHEAST OHIO PROGRAM.

Program 2

Expenses: $561,580 Revenue: $112,655

HOME REPAIR & MICROLENDING - WE PROVIDE HOME REPAIRS TO EXISTING HOMEOWNERS WHO DO NOT HAVE THE RESOURCES TO MAKE THE REPAIRS THEMSELVES. IT IS ALSO USED TO MODIFY A HOME TO AN ADAPTIVE USE FOR THE HOMEOWNER DUE TO CHANGES IN THEIR SITUATION. IN ADDITION, WE ALSO PROVIDE MICROLOANS FOR FAMILIES WHO NEED FUNDING TO MAKE NON-ESSENTIAL REPAIRS ON THEIR HOMES OR TO PURCHASE MEDICAL DEVICES THAT ALLOW THEM TO STAY IN THEIR HOMES.

Program 3

Revenue: $978,916

RESTORE - THE RESTORES SELL NEW AND GENTLY USED BUILDING SUPPLIES, HOME GOODS, FURNITURE AND APPLIANCES AT GREAT DISCOUNTS. PROFITS FROM THE RESTORES ARE USED TO CONTINUE OUR HOUSING MISSION IN...

RESTORE - THE RESTORES SELL NEW AND GENTLY USED BUILDING SUPPLIES, HOME GOODS, FURNITURE AND APPLIANCES AT GREAT DISCOUNTS. PROFITS FROM THE RESTORES ARE USED TO CONTINUE OUR HOUSING MISSION IN SOUTHEAST OHIO. THIS YEAR, WE DIVERTED OVER 800 TONS OF LANDFILL WASTE, WHICH PROVIDED GOODS TO OVER 40,000 FAMILIES; MANY OF WHOM ARE LOW-INCOME.

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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 $1,484,540

Program Service Revenue $2,370,044

Investment Income $219,226

Other Revenue $43,421

TOTAL REVENUE $4,117,231

Expense Breakdown

Grants Paid $0

Salaries & Benefits $996,782

Fundraising Expenses $33,199

Program Expenses $3,590,795

Other Expenses $2,687,598

TOTAL EXPENSES $3,684,380

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,117,231	$4,197,209	0.0%
Expenses	$3,684,380	$2,964,956	+0.2%
Net Income	$432,851	$1,232,253	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE BAIN	BOARD MEMBER	1.00	Director	$0	$0	$0
EJ GURILE	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN HALL	BOARD MEMBER	1.00	Director	$0	$0	$0
SHERRY LOONEY	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY MAYLE	BOARD MEMBER	1.00	Director	$0	$0	$0
TODD POTOCHNIK	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM RAEDER	BOARD MEMBER	1.00	Director	$0	$0	$0
NATHAN ROUSH	BOARD MEMBER	1.00	Director	$0	$0	$0
CHELSEA YOUNG	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL CARPENTER	VICE PRESIDE	2.00	Officer	$0	$0	$0
MICHAEL FINNEY	PRESIDENT	1.00	Officer	$0	$0	$0
GREGG OAKLEY	TREASURER	2.00	Officer	$0	$0	$0
SHAWNA STUMP	SECRETARY	2.00	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	No data	No data	No data	No data
2024	$4,117,231	$3,684,380	$9,803,768	$432,851
2023	$4,197,209	$2,964,956	$9,150,862	$1,232,253
2022	$3,775,413	$3,244,532	$7,826,218	$530,881
2021	$3,375,216	$2,209,779	$6,825,365	$1,165,437
2020	$2,313,961	$1,680,984	$5,706,210	$632,977
2019	$1,973,452	$1,287,012	$4,577,370	$686,440
2018	$1,778,905	$1,226,497	$3,992,001	$552,408