HABITAT FOR HUMANITY CLARK & FLOYD INDIANA INC (EIN 351817055) - 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

1991

Legal Domicile

Principal Officer

JACLYN ISAACS

Phone

8129481235

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY CLARK & FLOYD INDIANA INC, founded in 1991, is a small nonprofit that reported $910K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring.

Mission

THE CONSTRUCTION AND RENOVATION OF HOMES FOR LOW INCOME FAMILIES.

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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 $324,219

Program Service Revenue $421,804

Investment Income $0

Other Revenue $163,786

TOTAL REVENUE $909,809

Expense Breakdown

Grants Paid $0

Salaries & Benefits $192,926

Fundraising Expenses $68,868

Program Expenses $708,199

Other Expenses $726,491

TOTAL EXPENSES $919,417

Year-over-Year Comparison

	2024	2023	Change
Revenue	$909,809	$1,212,947	-0.2%
Expenses	$919,417	$1,364,513	-0.3%
Net Income	$-9,608	$-151,566	-0.9%

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

1205

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

$78,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE KONKLE	PRESIDENT	1.00	Officer Director	$0	$0	$0
CARA WISEHEART	SECRETARY	1.00	Officer Director	$0	$0	$0
CLAYTON OWSLEY	TREASURER	1.00	Officer Director	$0	$0	$0
JASON HARTZ	DIRECTOR	1.00	Director	$0	$0	$0
MARK HUBER	DIRECTOR	1.00	Director	$0	$0	$0
MELINDA GOLDE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA SAWYER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
HOLLY CRAWFORD	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES LAND	DIRECTOR	1.00	Director	$0	$0	$0
TODD EVANS	DIRECTOR	1.00	Director	$0	$0	$0
NICK WRIGHT	DIRECTOR	1.00	Director	$0	$0	$0
DARNELL JACKSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVE DUGGINS	DIRECTOR	1.00	Director	$0	$0	$0
JACOB ARBITAL	DIRECTOR	1.00	Director	$0	$0	$0
ADAM BERND	DIRECTOR	1.00	Director	$0	$0	$0
ADAM KRUER	DIRECTOR	1.00	Director	$0	$0	$0
ANNE MARIE MATTOX	DIRECTOR	1.00	Director	$0	$0	$0
SHERRY YEAGER	DIRECTOR	1.00	Director	$0	$0	$0
JACLYN ISSACS	EXECUTIVE DIRECTOR	40.00	Officer	$78,000	$0	$78,000

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	$909,809	$919,417	$1,778,269	$-9,608
2024	$1,212,947	$1,364,513	$1,819,182	$-151,566
2023	$860,883	$623,211	$2,003,027	$237,672
2022	$578,932	$580,433	$1,710,654	$-1,501
2021	$635,686	$519,554	$1,730,537	$116,132
2020	$388,057	$320,917	$1,614,363	$67,140

HABITAT FOR HUMANITY CLARK & FLOYD INDIANA INC