Midland County Habitat for Humanity

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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

1988

Legal Domicile

Principal Officer

Jennifer Chappel

Phone

9894960900

Tax Period

2024-07-01 to 2025-06-30

Midland County Habitat for Humanity, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $1.9M in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $644K, a strong 33% operating margin.

Mission

To build homes for and in partnership with low income families and then sell the home to the family with an affordable mortgage that is issued upon sale.

Program Service Accomplishments

Program 1

Expenses: $319,655

Restore - The Organization accepts donations of used household items and resells them to the general public. Net proceeds from the operation support the Organization's mission.

Program 2

Expenses: $300,200

The Neighborhood Revitalization Initiative/Rock the Block was designed to help US Affiliates as they work to transform neighborhoods using a holistic approach. Habitat affiliates are joining...

The Neighborhood Revitalization Initiative/Rock the Block was designed to help US Affiliates as they work to transform neighborhoods using a holistic approach. Habitat affiliates are joining residents, nonprofits, businesses, local governments and communities of faith to create and implement a shared vision of revitalization. Neighborhood revitalization initiative affiliates tailor work to meet the special needs of each neighborhood. Affiliates, in partnership with community organizations and agencies, will decide what work needs to be carried out in their community. A wide array of housing service can be tapped to help transform communities in need, such as: New, energy-efficient house construction, Rehabilitation of vacant and foreclosed properties, House repairs for existing low income homeowners, through a brush with kindness and critical home repairs, Weatherization to make existing houses more energy efficient and affordable. During 2024-2025 the organization worked in the city of Coleman and served 10 homeowners.

Program 3

Expenses: $253,038

Construction Services Program - The Organization builds homes for low to moderate income families through the extensive use of volunteers. No interest mortgages are issued on each home upon sale. In...

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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 $1,826,938

Program Service Revenue $96,714

Investment Income $-5,412

Other Revenue $21,221

TOTAL REVENUE $1,939,461

Expense Breakdown

Grants Paid $0

Salaries & Benefits $561,092

Fundraising Expenses $18,691

Program Expenses $872,893

Other Expenses $734,098

TOTAL EXPENSES $1,295,190

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,939,461	$1,446,866	+0.3%
Expenses	$1,295,190	$1,708,010	-0.2%
Net Income	$644,271	$-261,144	-3.5%

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

Volunteers

725

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

$117,940

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jennifer Chappel	Executive Dir.	40.00	Officer	$117,940	$0	$117,940
Linden Rogers	Chairman	5.00	Officer Director	$0	$0	$0
Mike Williams	Vice President	5.00	Officer Director	$0	$0	$0
Shane Bradley	Treasurer	5.00	Officer Director	$0	$0	$0
Stephanie Davis	Secretary	5.00	Officer Director	$0	$0	$0
Jill Dougherty	Director	1.00	Director	$0	$0	$0
Rev Wally Mayton	Director	1.00	Director	$0	$0	$0
Melissa Chichester	Director	1.00	Director	$0	$0	$0
Andy Cripe	Director	1.00	Director	$0	$0	$0
Heather McLaughlin	Director	1.00	Director	$0	$0	$0
Michele Wilkens	Director	1.00	Director	$0	$0	$0
Michael Ludwig	Director	1.00	Director	$0	$0	$0
Missie Freier	Director	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	$1,939,461	$1,295,190	$2,950,097	$644,271
2024	$1,446,866	$1,708,010	$1,992,227	$-261,144
2023	$1,308,462	$2,146,126	$2,002,133	$-837,664
2022	$1,395,365	$1,201,045	$2,664,252	$194,320
2021	$1,519,785	$1,224,296	$2,457,535	$295,489
2020	$1,456,859	$1,055,511	$2,282,204	$401,348
2019	$1,123,417	$1,076,222	$1,926,851	$47,195