SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY

EIN: 382739180 501(c)(3)

SAGINAW, MI

Total Revenue
$2,728,159
Total Expenses
$2,706,367
Total Assets
$5,145,899
Net Assets
$4,463,307
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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
1987
Legal Domicile
MI
Principal Officer
CARMEN MORA
Phone
9897535200
Tax Period
2023-07-01 to 2024-06-30

SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY, founded in 1987, is a community nonprofit that reported $2.7M in total revenue in fiscal year 2023. Revenue surged 53% from the prior year, signaling strong growth momentum.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, SAGINAW-SHIAWASSEE HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE, INCLUDING CONSTRUCTION, REHABILITATION, AND REPAIR OF MODEST BUT ADEQUATE HOUSING.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,412,301
Program Service Revenue $1,263,057
Investment Income $3,688
Other Revenue $49,113
TOTAL REVENUE $2,728,159

Expense Breakdown

Grants Paid $0
Salaries & Benefits $911,532
Fundraising Expenses $160,933
Program Expenses $2,131,393
Other Expenses $1,794,835
TOTAL EXPENSES $2,706,367

Year-over-Year Comparison

2023 2022 Change
Revenue $2,728,159 $1,783,787 +0.5%
Expenses $2,706,367 $1,180,758 +1.3%
Net Income $21,792 $603,029 -1.0%
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

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Governance

Voting Members
11
Independent Members
11
Employees
31
Volunteers
399

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
5
$68,472
Total Directors
11
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
CARMEN MORA EXECUTIVE DI 40.00
Officer
$57,787 $10,685 $68,472
LORISA BELLINGER SECRETARY 2.00
Officer Director
$0 $0 $0
PAMELA DRAKE DIRECTOR 2.00
Director
$0 $0 $0
JAMIE FORBES VICE-PRESIDE 2.00
Officer Director
$0 $0 $0
PATRICIA FRANKLIN-LINDSAY DIRECTOR 2.00
Director
$0 $0 $0
ANN GAMBOE HALL PRESIDENT 2.00
Officer Director
$0 $0 $0
JUSTIN HORVATH DIRECTOR 2.00
Director
$0 $0 $0
GREGG LANGE DIRECTOR 2.00
Director
$0 $0 $0
TOM MEYER DIRECTOR 2.00
Director
$0 $0 $0
JENNIFER PROFFITT DIRECTOR 2.00
Director
$0 $0 $0
MARCELLE SMITH DIRECTOR 2.00
Director
$0 $0 $0
ABBEGAIL STEMPLE TREASURER 2.00
Officer 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
2024 $949,674 $809,700 $5,140,869 $139,974
2024 $2,728,159 $2,706,367 $5,145,899 $21,792
2023 $1,783,787 $1,180,758 $4,883,483 $603,029
2022 $2,104,529 $1,005,128 $4,111,258 $1,099,401
2021 $1,547,363 $1,019,921 $3,051,874 $527,442
2020 $1,170,779 $1,120,358 $2,531,339 $50,421
2019 $1,063,828 $1,441,266 $2,602,741 $-377,438
2018 $1,254,394 $1,377,793 $3,454,285 $-123,399
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