HABITAT FOR HUMANITY OF ISABELLA COUNTY (EIN 382889777) - 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

1989

Legal Domicile

Principal Officer

JENNIFER MARAR

Phone

9893174650

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF ISABELLA COUNTY, founded in 1989, is a small nonprofit that reported $164K in total revenue in fiscal year 2023. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $184K exceeded revenue, resulting in a 12% operating deficit.

Mission

THE GOAL OF HABITAT FOR HUMANITY OF ISABELLA COUNTY IS TO ELIMINATE SUB-STANDARD HOUSING IN OUR COUNTY. OUT OF OUR LOVE FOR CHRIST, WE WILL REACH THIS GOAL BY PROVIDING SAFE, DECENT AND AFFORDABLE HOUSING FOR LOW-INCOME FAMILIES IN NEED.

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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 $64,587

Program Service Revenue $13,454

Investment Income $134

Other Revenue $85,982

TOTAL REVENUE $164,157

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,885

Fundraising Expenses $0

Program Expenses $150,077

Other Expenses $95,920

TOTAL EXPENSES $183,805

Year-over-Year Comparison

	2023	2022	Change
Revenue	$164,157	$219,654	-0.3%
Expenses	$183,805	$193,122	0.0%
Net Income	$-19,648	$26,532	-1.7%

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

$52,471

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER MARAR	CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN LOCKE	VICE CHAIR	2.00	Officer Director	$0	$0	$0
JEFF PROCTOR	TREASURER	1.00	Director	$0	$0	$0
TANYA LAMONT	MEMBER	1.00	Director	$0	$0	$0
JESSICA BARBER	MEMBER	1.00	Director	$0	$0	$0
HANNAH MARTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
PAT EBNIT	MEMBER	0.00	Director	$0	$0	$0
AMY ERVIN	MEMBER	0.00	Director	$0	$0	$0
KIMBERLY FRIEDRICH	EXECUTIVE DIRECTOR	40.00	Officer	$52,471	$0	$52,471

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	No data	No data	No data	No data
2024	$164,157	$183,805	$572,055	$-19,648
2023	$219,654	$193,122	$618,040	$26,532
2022	$136,382	$173,858	$614,527	$-37,476
2021	$155,550	$142,459	$673,743	$13,091
2020	$140,400	$155,156	$684,612	$-14,756
2019	$251,936	$149,726	$729,365	$102,210
2018	$342,155	$310,430	$654,506	$31,725

HABITAT FOR HUMANITY OF ISABELLA COUNTY