HABITAT FOR HUMANITY DETROIT (EIN 382708025) - 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

1986

Legal Domicile

Principal Officer

STEPHANIE OSTERLAND

Phone

3135216691

Tax Period

2024-04-01 to 2025-03-31

HABITAT FOR HUMANITY DETROIT, founded in 1986, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $567K, a strong 18% operating margin.

Mission

TO PROVIDE DECENT, AFFORDABLE HOUSING TO 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 $2,598,254

Program Service Revenue $501,895

Investment Income $23,723

Other Revenue $18,194

TOTAL REVENUE $3,142,066

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,054,520

Fundraising Expenses $319,185

Program Expenses $2,073,073

Other Expenses $1,520,804

TOTAL EXPENSES $2,575,324

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,142,066	$2,856,177	+0.1%
Expenses	$2,575,324	$2,774,752	-0.1%
Net Income	$566,742	$81,425	+6.0%

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

968

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

$155,742

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LESLIE LOVE	DIRECTOR	0.25	Director	$0	$0	$0
TED FLY	DIRECTOR	0.25	Director	$0	$0	$0
CLEAMON MOORER JR	PRESIDENT	1.00	Officer Director	$0	$0	$0
DENNIS PERKINS	DIRECTOR	0.25	Director	$0	$0	$0
KEN MELVIN	TREASURER	1.00	Officer Director	$0	$0	$0
DAWAN LEWIS	SECRETARY	0.50	Officer Director	$0	$0	$0
MARIA SERRAVALLE	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
KIERRA RISER	DIRECTOR	0.25	Director	$0	$0	$0
TARA O'NEIL	DIRECTOR	0.25	Director	$0	$0	$0
EBONI DEBERRY	DIRECTOR	0.25	Director	$0	$0	$0
STEPHANIE OSTERLAND	CEO	40.00	Officer	$147,452	$8,290	$155,742
BRANDEN RECKER	CONSTRUCTION DIRECTOR	40.00	Highest	$102,493	$5,615	$108,108

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	$3,142,066	$2,575,324	$3,896,942	$566,742
2024	$2,856,177	$2,774,752	$3,112,737	$81,425
2023	$2,168,291	$1,804,881	$2,959,878	$363,410
2022	$1,104,319	$1,024,135	$2,589,366	$80,184
2021	$981,277	$938,973	$2,494,357	$42,304
2020	$700,801	$1,135,825	$2,511,252	$-435,024
2019	$1,224,852	$720,567	$3,113,395	$504,285
2018	$3,048,303	$1,294,145	$3,449,706	$1,754,158

HABITAT FOR HUMANITY DETROIT