Lake County Habitat for Humanity (EIN 382447541) - 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

1983

Legal Domicile

Principal Officer

Melanie Moffitt

Tax Period

2023-07-01 to 2024-06-30

Lake County Habitat for Humanity, founded in 1983, is a small nonprofit in the Housing & Shelter sector that reported $257K in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $69K, a strong 27% operating margin.

Mission

To eliminate poverty housing and homelessness by working in partnership with people in need. Using donated funds and materials, Habitat volunteers build or rehabilitate homes and sell them at cost to hardworking, low-income families with low interest mortgages.

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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 (2023)

Revenue Breakdown

Contributions & Grants $148,695

Program Service Revenue $-17,178

Investment Income $3,947

Other Revenue $121,607

TOTAL REVENUE $257,071

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,462

Fundraising Expenses $0

Program Expenses $127,463

Other Expenses $82,800

TOTAL EXPENSES $188,262

Year-over-Year Comparison

	2023	2022	Change
Revenue	$257,071	$332,536	-0.2%
Expenses	$188,262	$317,653	-0.4%
Net Income	$68,809	$14,883	+3.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Denise Suttles	Executive Director	30.00	Highest	$21,339	$0	$21,339
Tom Ellis	Director	1.00	Director	$0	$0	$0
Shannon Childress	Director	1.00	Director	$0	$0	$0
Elizabeth Amman	Director	1.00	Director	$0	$0	$0
Herb Early	Director	1.00	Director	$0	$0	$0
Tony Gagliardo	Director	1.00	Director	$0	$0	$0
Wayne Boorsma	Director	1.00	Director	$0	$0	$0
Dan Fienen	Director	1.00	Director	$0	$0	$0
Tracy Baker	Director	1.00	Director	$0	$0	$0
Sue Ortiz	Director	1.00	Director Key Emp	$0	$0	$0
Debbie Russell	Director	1.00	Director	$0	$0	$0
Lori Braginton	Vice Chair	1.00	Officer	$0	$0	$0
Melanie Moffitt	Treasurer	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
2024	$257,071	$188,262	$612,329	$68,809
2023	$332,536	$317,653	$515,835	$14,883
2022	$219,408	$139,899	$542,695	$79,509
2021	$84,436	$132,673	$417,146	$-48,237
2020	$135,746	$142,699	$467,647	$-6,953
2019	$171,025	$258,362	$480,457	$-87,337
2019	$173,935	$256,606	$441,121	$-82,671

Lake County Habitat for Humanity