SAN DIEGO HABITAT FOR HUMANITY INC (EIN 330259190) - 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

1988

Legal Domicile

Principal Officer

KWOFI REED

Phone

6192834663

Tax Period

2024-07-01 to 2025-06-30

SAN DIEGO HABITAT FOR HUMANITY INC, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $6.8M in total revenue in fiscal year 2024. Revenue fell 33% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.2M, a strong 18% operating margin.

Mission

SAN DIEGO HABITAT PARTNERS WITH PEOPLE IN NEED OF IMPROVED HOUSING TO BUILD AND REPAIR HOMES.

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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 $5,819,143

Program Service Revenue $974,224

Investment Income $55,271

Other Revenue $-25,294

TOTAL REVENUE $6,823,344

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,512,609

Fundraising Expenses $1,285,016

Program Expenses $3,235,925

Other Expenses $3,062,471

TOTAL EXPENSES $5,575,080

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,823,344	$10,145,668	-0.3%
Expenses	$5,575,080	$12,490,678	-0.6%
Net Income	$1,248,264	$-2,345,010	-1.5%

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

1516

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

$504,917

Total Directors

$191,815

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANET BERONIO	CHAIR	2.00	Officer Director	$0	$0	$0
KEVIN GERAGHTY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LETICIA ORTIZ	SECRETARY	1.00	Officer Director	$0	$0	$0
PAT GETZEL	TREASURER	1.00	Officer Director	$0	$0	$0
HEATHER ARRIETA	BOARD MEMBER	1.00	Director	$0	$0	$0
SAM ASSAEL	BOARD MEMBER	1.00	Director	$0	$0	$0
NOOR YAQOOB	BOARD MEMBER	1.00	Director	$0	$0	$0
LILIANA ROMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
SUZANNE SCHLUNDT	BOARD MEMBER	1.00	Director	$0	$0	$0
KWOFI REED	PRESIDENT & CEO	40.00	Officer Director	$180,153	$11,662	$191,815
JONATHAN ATUN	CFO	40.00	Officer	$132,371	$22,249	$154,620
ANNE KILPATRICK	CHIEF ADMINISTRATIVE OFFIC	40.00	Officer	$147,918	$10,564	$158,482
KAREN BEGIN	CHIEF DEVELOPMENT OFFICER	40.00	Highest	$135,374	$9,886	$145,260
ERIC HORNTON	GENERAL CONTRACTOR	40.00	Highest	$103,710	$0	$103,710
ROXANN JANES	CONSTRUCTION DIRECTOR	40.00	Highest	$100,166	$13,140	$113,306
SUSAN PERKINS	DONOR ENGAGEMENT MANAGER	40.00	Highest	$102,564	$7,632	$110,196

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	$6,823,344	$5,575,080	$19,721,482	$1,248,264
2024	No data	No data	No data	No data
2023	$4,660,144	$5,726,598	$19,462,907	$-1,066,454
2022	$9,101,598	$8,906,432	$17,987,531	$195,166
2021	$6,163,488	$6,471,152	$17,424,275	$-307,664
2020	$9,733,868	$13,220,204	$17,050,501	$-3,486,336
2019	$6,233,044	$7,871,120	$19,167,861	$-1,638,076
2018	$5,619,066	$6,156,765	$19,050,542	$-537,699

SAN DIEGO HABITAT FOR HUMANITY INC