SANDUSKY COUNTY HABITAT FOR HUMANI… - Form 990 Financial Data

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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

1989

Legal Domicile

Principal Officer

CHRISTINA RUFER

Phone

4193551257

Tax Period

2024-07-01 to 2025-06-30

SANDUSKY COUNTY HABITAT FOR HUMANITY INTERNATIONAL, founded in 1989, is a small nonprofit in the Housing & Shelter sector that reported $713K in total revenue in fiscal year 2024. Revenue surged 55% from the prior year, signaling strong growth momentum. Expenses of $641K left a modest 10% surplus.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY SANDUSKY COUNTY ADHERES TO A STRICT NON-PRSELYTIZING PLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

Program Service Accomplishments

Program 1

Expenses: $625,663 Revenue: $450,569

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER...

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING FISCAL YEAR 2020, HABITAT SANDUSKY COUNTY SERVED MORE THAN 14 PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.

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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 $265,371

Program Service Revenue $450,569

Investment Income $0

Other Revenue $-3,042

TOTAL REVENUE $712,898

Expense Breakdown

Grants Paid $0

Salaries & Benefits $108,536

Fundraising Expenses $390

Program Expenses $625,663

Other Expenses $532,399

TOTAL EXPENSES $640,935

Year-over-Year Comparison

	2024	2023	Change
Revenue	$712,898	$461,411	+0.5%
Expenses	$640,935	$323,005	+1.0%
Net Income	$71,963	$138,406	-0.5%

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

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

$62,386

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAM KENSLER	EXECUTIVE DI	20.00	Director	$62,386	$0	$62,386
NICOLE SMITH	PRESIDENT	0.75	Officer Director	$0	$0	$0
JAMIE BRUBAKER	VICE-PRESIDE	0.75	Officer Director	$0	$0	$0
SHARON KINNEAR	SECRETARY	0.75	Officer Director	$0	$0	$0
CHRISTINA RUFER	CO-TREASURER	0.75	Director	$0	$0	$0
JENNY FREEH	CO-TREASURER	0.75	Officer Director	$0	$0	$0
CHARLES BUTCHER	DIRECTOR	0.75	Director	$0	$0	$0
ANTHONY HALBEISEN	DIRECTOR	0.75	Director	$0	$0	$0
JOE HOPPLE	DIRECTOR	0.75	Director	$0	$0	$0
JULIE FISHER-PRICE	DIRECTOR	0.75	Director	$0	$0	$0
SARAH MEADE	DIRECTOR	0.75	Director	$0	$0	$0
ROBIN ROSS	DIRECTOR	0.75	Director	$0	$0	$0
RON SCHUMACHER	DIRECTOR	0.75	Director	$0	$0	$0
JILL SWAISGOOD	DIRECTOR	0.75	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	$712,898	$640,935	$830,448	$71,963
2024	$461,411	$323,005	$756,751	$138,406
2023	$318,815	$115,694	$607,677	$203,121
2022	$47,064	$51,653	$775,835	$-4,589
2021	$39,902	$35,261	$785,141	$4,641
2020	$26,759	$22,544	$782,281	$4,215

SANDUSKY COUNTY HABITAT FOR HUMANITY INTERNATIONAL