SENECA HABITAT FOR HUMANITY

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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

Principal Officer

CAROL DELL

Phone

4194474270

Tax Period

2025-01-01 to 2025-12-31

SENECA HABITAT FOR HUMANITY is a small nonprofit that reported $302K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $282K left a modest 7% surplus.

Mission

SENECA HABITAT FOR HUMANITY WORKS IN PARTNERSHIP WITH GOD AND PEOPLE EVERYWHERE, FROM ALL WALKS OF LIFE, TO DEVELOP COMMUNITIES WITH GODS PEOPLE IN NEED OF BUILDING AND RENOVATING HOUSES.

Program Service Accomplishments

Program 1

Expenses: $267,523 Revenue: $209,271

BUILDS AND RENOVATES HOUSES AND SELLS TO LOW TO MODERATE INCOME PERSONS AT NO INTEREST EXPENSE BUT WHO MUST PROVIDE SWEAT EQUITY IN ORDER TO BE ELIGIBLE TO PARTICIPATE IN THE PROGRAM. THE ENTITY...

BUILDS AND RENOVATES HOUSES AND SELLS TO LOW TO MODERATE INCOME PERSONS AT NO INTEREST EXPENSE BUT WHO MUST PROVIDE SWEAT EQUITY IN ORDER TO BE ELIGIBLE TO PARTICIPATE IN THE PROGRAM. THE ENTITY RENOVATES ONE OR TWO HOUSES PER YEAR.

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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 (2025)

Revenue Breakdown

Contributions & Grants $83,004

Program Service Revenue $209,271

Investment Income $5,102

Other Revenue $5,085

TOTAL REVENUE $302,462

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,878

Fundraising Expenses $0

Program Expenses $267,523

Other Expenses $232,915

TOTAL EXPENSES $281,793

Year-over-Year Comparison

	2025	2024	Change
Revenue	$302,462	$269,999	+0.1%
Expenses	$281,793	$282,497	0.0%
Net Income	$20,669	$-12,498	-2.7%

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

$45,387

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL DELL	EXECUTIVE DI	40.00	Officer	$44,065	$1,322	$45,387
VALERIE BUMB	PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHAEL CHAPMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVE DANIELS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JOSH GIBSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROL HAMMER	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL HATGAS	BOARD MEMBER	1.00	Director	$0	$0	$0
WAYNE KROMER	SECRETARY	1.00	Officer Director	$0	$0	$0
CARL RAINEY	BOARD MEMBER	1.00	Director	$0	$0	$0
BOB REINHART	BOARD MEMBER	1.00	Director	$0	$0	$0
GWEN STALLARD	BOARD MEMBER	1.00	Director	$0	$0	$0
DOUGLAS WOODS	BOARD MEMBER	1.00	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	$302,462	$281,793	$831,175	$20,669
2024	$269,999	$282,497	$812,458	$-12,498
2023	$289,322	$276,451	$829,923	$12,871
2022	$288,827	$241,284	$811,101	$47,543
2021	$290,408	$341,157	$766,939	$-50,749
2020	$164,618	$205,370	$825,314	$-40,752