COPPER COUNTRY 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

1994

Legal Domicile

Principal Officer

KEVIN LIIMATTA

Phone

9064825376

Tax Period

2024-07-01 to 2025-06-30

COPPER COUNTRY HABITAT FOR HUMANITY, founded in 1994, is a small nonprofit that reported $803K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $943K exceeded revenue, resulting in a 17% operating deficit.

Mission

HOME CONSTRUCTION FOR LOW INCOME FAMILIES AND AFFORDABLE HOME FURNISHINGS CRITICAL REPAIRS TO HOMES FOR LOW INCOME FAMILIES

Program Service Accomplishments

Program 1

Expenses: $379,474 Revenue: $285,174

CRITICAL REPAIRS TO HOMES UNDER THE MI HOPE PROJECTS

Program 2

Expenses: $227,595 Revenue: $281,687

SALES OF LOW COST HOUSEHOLD ITEMS

Program 3

Expenses: $47,802 Revenue: $100,000

SALE OF HABITAT HOME

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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 $569,016

Program Service Revenue $1,182

Investment Income $6,705

Other Revenue $226,033

TOTAL REVENUE $802,936

Expense Breakdown

Grants Paid $36,000

Salaries & Benefits $340,984

Fundraising Expenses $4,963

Program Expenses $654,871

Other Expenses $565,783

TOTAL EXPENSES $942,767

Year-over-Year Comparison

	2024	2023	Change
Revenue	$802,936	$944,937	-0.2%
Expenses	$942,767	$827,665	+0.1%
Net Income	$-139,831	$117,272	-2.2%

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

398

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

Total Directors

$122,582

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RONALD LESSARD	DIRECTOR	2.00	Director	$0	$0	$0
KATHY LIIMATTA	SECRETARY	2.00	Director	$0	$0	$0
ANNETTE SAWADOGO	PRESIDENT & SECRETARY	2.00	Officer	$0	$0	$0
STEVEN CADEAU	EXECUTIVE DIRECTOR	32.00	Director	$52,582	$0	$52,582
SHELBY OJA	TREASURER	2.00	Officer	$0	$0	$0
AUDREY SHERWOOD	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN LIIMATTA	PRESIDENT	2.00	Officer	$0	$0	$0
JAKE WISTI	DIRECTOR	2.00	Director	$0	$0	$0
GINA GESLER	DIRECTOR	2.00	Director	$0	$0	$0
MIKE HAANELA	DIRECTOR	2.00	Director	$0	$0	$0
MATT LUTZ	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN VANSICKLE	EXECUTIVE DIRECTOR	40.00	Director	$70,000	$0	$70,000

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	$802,936	$942,767	$1,269,601	$-139,831
2024	$944,937	$827,665	$1,190,533	$117,272
2023	$376,161	$510,301	$981,511	$-134,140
2022	$422,351	$467,980	$1,032,536	$-45,629
2021	$637,846	$404,482	$1,198,134	$233,364
2020	$367,195	$436,249	$991,422	$-69,054
2018	$194,294	$226,409	$784,338	$-32,115
2018	$269,742	$210,836	$845,658	$58,906
2017	$477,083	$256,860	$788,699	$220,223