CLARE COUNTY HABITAT FOR HUMANITY (EIN 382999284) - 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

1991

Legal Domicile

Principal Officer

JUSTIN CAVANAUGH

Phone

9895392481

Tax Period

2024-07-01 to 2025-06-30

CLARE COUNTY HABITAT FOR HUMANITY, founded in 1991, is a micro nonprofit that reported $38K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $36K left a modest 5% surplus.

Mission

TO CREATE DECENT AFFORDABLE HOUSING FOR THOSE IN NEED AND TO MAKE DECENT SHELTER A MATTER OF CONSCIENCE WITH PEOPLE WORLDWIDE

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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 $10,219

Program Service Revenue $18,608

Investment Income $8,075

Other Revenue $836

TOTAL REVENUE $37,738

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,872

Fundraising Expenses $0

Program Expenses $18,382

Other Expenses $22,917

TOTAL EXPENSES $35,789

Year-over-Year Comparison

	2024	2023	Change
Revenue	$37,738	$40,944	-0.1%
Expenses	$35,789	$45,487	-0.2%
Net Income	$1,949	$-4,543	-1.4%

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

N/A

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

$12,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHERRY COMBS	DIRECTOR	10.00	Director	$0	$0	$0
CAREY HARRIS	DIRECTOR	10.00	Officer Director	$0	$0	$0
CHRISTINA GOTTS	TREASURER	10.00	Officer Director	$0	$0	$0
JUSTIN CAVANAUGH	PRESIDENT	10.00	Officer Director	$0	$0	$0
JEFF LINTON	DIRECTOR	10.00	Director	$0	$0	$0
ZACHARY TAYLOR	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
NICOLE SIMSACK	SECRETARY	10.00	Director	$0	$0	$0
BRENT GOTTS	DIRECTOR	10.00	Director	$0	$0	$0
JODIE KRULIK	EXECUTIVE DIRECTOR	20.00	Officer	$12,000	$0	$12,000

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	$37,738	$35,789	$575,259	$1,949
2024	No data	No data	No data	No data
2023	$67,272	$37,495	$563,878	$29,777
2022	$42,686	$77,351	$533,960	$-34,665
2021	$49,603	$37,778	$568,764	$11,825
2020	$44,885	$35,148	$556,766	$9,737
2019	$99,905	$43,843	$547,030	$56,062
2018	$102,525	$83,123	$492,142	$19,402

CLARE COUNTY HABITAT FOR HUMANITY