OTSEGO COUNTY HABITAT FOR HUMANITY INC (EIN 383130500) - 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

1993

Legal Domicile

Principal Officer

ALICIA A SHEPARD

Tax Period

2023-07-01 to 2024-06-30

OTSEGO COUNTY HABITAT FOR HUMANITY INC, founded in 1993, is a small nonprofit that reported $636K in total revenue in fiscal year 2023. Revenue fell 32% from the prior year — a significant decline worth monitoring.

Mission

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

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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 $106,929

Program Service Revenue $159,793

Investment Income $62

Other Revenue $369,282

TOTAL REVENUE $636,066

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $296,098

Fundraising Expenses $3,789

Program Expenses $521,448

Other Expenses $351,216

TOTAL EXPENSES $648,814

Year-over-Year Comparison

	2023	2022	Change
Revenue	$636,066	$942,111	-0.3%
Expenses	$648,814	$958,332	-0.3%
Net Income	$-12,748	$-16,221	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
GEORGE OPITZ	SECRETARY	Officer Director	$0	$0	$0
RANDY URBAN	PRESIDENT	Officer Director	$0	$0	$0
GEORGE OPITZ	TREASURER	Officer Director	$0	$0	$0
GEORGE OPITZ	VICE PRESIDENT	Officer Director	$0	$0	$0
ALICIA A SHEPARD	EXECUTIVE DIRECTOR	Officer Highest	$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	$636,066	$648,814	$727,990	$-12,748
2023	$942,111	$958,332	$745,661	$-16,221
2022	$707,484	$670,333	$796,973	$37,151
2021	$388,546	$407,806	$782,602	$-19,260
2020	$427,210	$490,711	$840,090	$-63,501
2019	$694,997	$374,080	$879,140	$320,917

OTSEGO COUNTY HABITAT FOR HUMANITY INC