BLUE WATER 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

1990

Legal Domicile

Principal Officer

ERNEST C WERTH-TOWARD

Phone

8109859080

Tax Period

2023-07-01 to 2024-06-30

BLUE WATER HABITAT FOR HUMANITY, founded in 1990, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $1.2M left a modest 11% surplus.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.

Program Service Accomplishments

Program 1

Expenses: $164,657 Revenue: $89,442

PROVIDE SAFE, AFFORDABLE HOUSING FOR DISADVANTAGED FAMILIES.

Program 2

Expenses: $591,293

PROVIDE REVENUE FOR HOUSING PROJECTS THROUGH RESELLING DONATED BUILDING MATERIALS.

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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 $364,883

Program Service Revenue $89,442

Investment Income $108

Other Revenue $905,059

TOTAL REVENUE $1,359,492

Expense Breakdown

Grants Paid $0

Salaries & Benefits $633,904

Fundraising Expenses $120,155

Program Expenses $755,950

Other Expenses $579,669

TOTAL EXPENSES $1,213,573

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,359,492	$1,139,731	+0.2%
Expenses	$1,213,573	$1,164,198	+0.0%
Net Income	$145,919	$-24,467	-7.0%

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

117

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

$216,395

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERNEST C WERTH-TOWARD	CEO	40.00	Officer	$103,621	$0	$103,621
ROBIN YOKOM	CFO	40.00	Officer	$59,112	$0	$59,112
CHRISTINE WATTERS	PART-TIME AC	25.00	Officer	$53,662	$0	$53,662
WYNNE ACHATZ	DIRECTOR	1.00	Director	$0	$0	$0
JILL CARLSON	DIRECTOR	1.00	Director	$0	$0	$0
THELMA CASTILLO	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSH CHAPMAN	DIRECTOR	1.00	Director	$0	$0	$0
TRACY MOORE	SECRETARY	1.00	Officer Director	$0	$0	$0
PENELOPE PECK	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JANE SHAFER	DIRECTOR	1.00	Director	$0	$0	$0
TERRY WRIGHT	TREASURER	1.00	Officer Director	$0	$0	$0
AMY ZIMMER	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
2024	$1,359,492	$1,213,573	$1,971,526	$145,919
2023	$1,139,731	$1,164,198	$2,306,599	$-24,467
2022	$1,200,863	$1,076,952	$1,278,426	$123,911
2021	$1,068,369	$924,712	$1,352,075	$143,657
2020	$875,054	$971,116	$1,354,911	$-96,062
2019	$823,454	$998,787	$1,435,876	$-175,333