HABITAT FOR HUMANITY INTERNATIONAL… - 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

1999

Legal Domicile

Phone

6185342131

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY INTERNATIONAL INC, founded in 1999, is a micro nonprofit in the Housing & Shelter sector that reported $79K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $110K exceeded revenue, resulting in a 38% operating deficit.

Mission

BUILD HOMES TO HELP ERADICATE HOMELESSNESS AND SUBSTANDARD HOUSING. TO PROVIDE HOUSING FOR FAMILIES THAT CANNOT OBTAIN CONVENTIONAL FINANCING.

Program Service Accomplishments

Program 1

Expenses: $98,718 Revenue: $0

CONSTRUCTION MAINTENANCE ESCROW REAL ESTATE TAXES

Program 2

Expenses: $5,750 Revenue: $0

PAYMENT TO AFFILIATES

Program 3

Expenses: $5,339 Revenue: $0

OFFICE MISC

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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 $6,292

Program Service Revenue $72,771

Investment Income $272

Other Revenue $0

TOTAL REVENUE $79,335

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $109,807

Other Expenses $109,807

TOTAL EXPENSES $109,807

Year-over-Year Comparison

	2024	2023	Change
Revenue	$79,335	$88,057	-0.1%
Expenses	$109,807	$144,196	-0.2%
Net Income	$-30,472	$-56,139	-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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMY GWALTNEY	PRESIDENT	10.00	Director	$0	$0	$0
TISHA KOSCO	BOARD MEMBER	10.00	Director	$0	$0	$0
PATRICIA MILLER	BOARD MEMBER	5.00	Director	$0	$0	$0
CURTIS HAYES	TREASURER	10.00	Director	$0	$0	$0
STEPHANIE MACJEAN	SECRETARY	1.00	Director	$0	$0	$0
BETH MAYS	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIAM BRANDSTATTER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTINA LLOYD	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTINE LIPE	VICE PRESIDENT	1.00	Director	$0	$0	$0
ANNA TWOMEY	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	$79,335	$109,807	$780,504	$-30,472
2024	$88,057	$144,196	$797,405	$-56,139
2023	$159,509	$92,373	$874,709	$67,136

HABITAT FOR HUMANITY INTERNATIONAL INC