HABITAT FOR HUMANITY OF LAPEER - TUSCOLA (EIN 364531237) - 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

2003

Legal Domicile

Principal Officer

CAROLYN NESTOR

Phone

8106647111

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF LAPEER - TUSCOLA, founded in 2003, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024.

Mission

TO ELIMINATE SUB-STANDARD HOUSING AND HOMELESSNESS FROM LAPEER COUNTY.

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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 $211,729

Program Service Revenue $14,989

Investment Income $3,212

Other Revenue $773,240

TOTAL REVENUE $1,003,170

Expense Breakdown

Grants Paid $0

Salaries & Benefits $568,105

Fundraising Expenses $0

Program Expenses $976,607

Other Expenses $428,788

TOTAL EXPENSES $996,893

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,003,170	$963,197	+0.0%
Expenses	$996,893	$1,001,916	0.0%
Net Income	$6,277	$-38,719	-1.2%

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

405

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

$51,615

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROLYN NESTOR	EXECUTIVE DI	40.00	Officer	$51,615	$0	$51,615
TERRY BROWN	TRUSTEE	2.00	Director	$0	$0	$0
LYNNE BUTLER	TRUSTEE	2.00	Director	$0	$0	$0
KEVIN DALEY	TRUSTEE	2.00	Director	$0	$0	$0
ANN IMEL	TRUSTEE	2.00	Director	$0	$0	$0
JIMMY KING	TRUSTEE	2.00	Director	$0	$0	$0
PASTOR BRUCE LAWTON	TRUSTEE	2.00	Director	$0	$0	$0
JEANNE MCCORKLE	TRUSTEE	2.00	Director	$0	$0	$0
GARY SHINDORF	TRUSTEE	2.00	Director	$0	$0	$0
TOM STEINBIS	TRUSTEE	2.00	Director	$0	$0	$0
JERRY WEBB	TRUSTEE	2.00	Director	$0	$0	$0
ANDREA BROWNE	PRESIDENT	2.00	Officer	$0	$0	$0
CHERRY NEWLON	SECRETARY/TR	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	$1,003,170	$996,893	$1,771,521	$6,277
2024	$963,197	$1,001,916	$1,799,988	$-38,719
2023	$1,039,913	$936,287	$1,902,235	$103,626
2022	$800,845	$783,278	$1,893,278	$17,567
2021	$826,539	$790,947	$1,889,077	$35,592
2020	$672,876	$780,990	$1,777,334	$-108,114
2019	$769,685	$680,464	$1,774,491	$89,221
2018	$631,999	$606,274	$1,731,643	$25,725

HABITAT FOR HUMANITY OF LAPEER - TUSCOLA