BRANCH 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

1990

Legal Domicile

Principal Officer

THERESA GRAY

Phone

5172792200

Tax Period

2017-07-01 to 2018-06-30

BRANCH COUNTY HABITAT FOR HUMANITY, founded in 1990, is a micro nonprofit that reported $87K in total revenue in fiscal year 2017. Revenue decreased 5% compared to the prior year. The organization ran a surplus of $28K, a strong 33% operating margin.

Mission

ASSIST LOW INCOME FAMILIES IN ACQUIRING HOME OWNERSHIP

Program Service Accomplishments

Program 1

Expenses: $6,767 Revenue: $35,325

ASSIST LOW INCOME FAMILIES IN ACQUIRING SAFE AND AFFORDABLE HOUSING

Program 2

Expenses: $38,033 Revenue: $37,436

RESTORE SELLS DONATED HOME AND CONSTRUCTION MATERIALS TO LOW INCOME HOMEOWNERS

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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 (2017)

Revenue Breakdown

Contributions & Grants $14,360

Program Service Revenue $46,708

Investment Income $0

Other Revenue $26,053

TOTAL REVENUE $87,121

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,846

Fundraising Expenses $169

Program Expenses $44,800

Other Expenses $41,929

TOTAL EXPENSES $58,775

Year-over-Year Comparison

	2017	2016	Change
Revenue	$87,121	$91,888	-0.1%
Expenses	$58,775	$54,100	+0.1%
Net Income	$28,346	$37,788	-0.2%

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

$14,400

Total Directors

$7,843

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE LOCKWOOD	PRESIDENT	10.00	Officer Director	$0	$0	$0
PERRY GORDON	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
THERESA GRAY	TREASURER	10.00	Officer Director	$0	$0	$0
KEN FICKLE	DIRECTOR	6.00	Director	$0	$0	$0
CHARLES HAUSKA	DIRECTOR	6.00	Director	$0	$0	$0
JIM SHIRE	DIRECTOR	6.00	Director	$7,843	$0	$7,843
RALPH PARADINE	DIRECTOR	6.00	Director	$0	$0	$0
RICHARD ZELUFF	DIRECTOR	6.00	Director	$0	$0	$0
JIM MCDANIELS	DIRECTOR	6.00	Director	$0	$0	$0
PAUL FLETTER	DIRECTOR	6.00	Director	$0	$0	$0
RASCHELLE MCKINLEY	EXECUTIVE DIRECTOR	20.00	Officer	$14,400	$0	$14,400
CHERI MURPHY	EXECUTIVE DIRECTOR	20.00	Officer	$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
2018	$87,121	$58,775	$646,143	$28,346