NORTHWEST MI 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

SARAH ULRICH

Phone

2313486926

Tax Period

2024-07-01 to 2025-06-30

NORTHWEST MI HABITAT FOR HUMANITY, founded in 1990, is a community nonprofit that reported $6.2M in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum.

Mission

PROVIDE QUALITY HOUSING FOR LOW INCOME FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $5,003,036 Revenue: $2,901,359

PROVIDE QUALITY HOUSING FOR LOW INCOME FAMILIES IN SUBSTANDARD CONDITIONS. THERE WERE 12 HOMES SOLD DURING THE FISCAL YEAR ENDING JUNE 30, 2025.

Program 2

Expenses: $742,342 Revenue: $360,549

THE RESTORE ACCEPTS DONATED, USED, OR EXCESS BUILDING MATERIALS AND SUPPLIES AND SELLS THEM TO THE PUBLIC AT DISCOUNTED PRICES, WITH THE NET REVENUE GOING TO THE HOUSING PROGRAM.

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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 $2,942,634

Program Service Revenue $3,261,908

Investment Income $2,741

Other Revenue $14,317

TOTAL REVENUE $6,221,600

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,333,371

Fundraising Expenses $226,463

Program Expenses $5,745,378

Other Expenses $4,850,236

TOTAL EXPENSES $6,183,607

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,221,600	$4,802,994	+0.3%
Expenses	$6,183,607	$4,946,500	+0.3%
Net Income	$37,993	$-143,506	-1.3%

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

$114,917

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARAH ULRICH	EXECUTIVE DI	40.00	Officer	$114,917	$0	$114,917
NICK MOORE	PRESIDENT	1.00	Officer Director	$0	$0	$0
DARRIN DEETER	CO-PRESIDENT	1.00	Officer Director	$0	$0	$0
BOB DENTEN	TREASURER	1.00	Officer Director	$0	$0	$0
TRACEY DRYOVAGE	SECRETARY	1.00	Officer Director	$0	$0	$0
CAM BRADDOCK	DIRECTOR	1.00	Director	$0	$0	$0
MARILY GALLOWAY	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE KEISER	DIRECTOR	1.00	Director	$0	$0	$0
VINCE LUMETTA	DIRECTOR	1.00	Director	$0	$0	$0
ERIN MASTERS	DIRECTOR	1.00	Director	$0	$0	$0
BOB TURK	DIRECTOR	1.00	Director	$0	$0	$0
JOHN TURNER	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
AUSTIN WILSON	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	$6,221,600	$6,183,607	$6,706,161	$37,993
2025	$6,221,600	$6,183,607	$6,706,161	$37,993
2024	No data	No data	No data	No data
2023	$3,605,723	$2,843,862	$7,081,176	$761,861
2022	$3,436,680	$1,675,897	$5,208,136	$1,760,783
2021	$1,608,176	$1,276,947	$3,423,288	$331,229
2020	$983,207	$929,062	$3,113,406	$54,145
2019	$1,144,324	$1,006,397	$1,874,717	$137,927