CHEBOYGAN COUNTY HABITAT FOR HUMANITY (EIN 383190977) - 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

1994

Legal Domicile

Principal Officer

DARRIN DEETER

Phone

2315974663

Tax Period

2025-07-01 to 2026-06-30

CHEBOYGAN COUNTY HABITAT FOR HUMANITY, founded in 1994, is a micro nonprofit that reported $36K in total revenue in fiscal year 2025. Revenue fell 97% from the prior year — a significant decline worth monitoring. Expenses of $705K exceeded revenue, resulting in a 1844% operating deficit.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE. DEDICATED TO ELIMINATING POVERTY HOUSING LOCALLY BY CONSTRUCTING, REHABILITATING, AND PRESERVING HOMES, ADVOCATING FOR FAIR AND JUST HOUSING POLICIES, AND PROVIDING TRAINING AND RESOURCES TO HELP FAMILIES IMPROVE THEIR LIVING CONDITIONS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $39,799

Program Service Revenue $403

Investment Income $-4,553

Other Revenue $609

TOTAL REVENUE $36,258

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,643

Program Expenses $431,516

Other Expenses $704,856

TOTAL EXPENSES $704,856

Year-over-Year Comparison

	2025	2024	Change
Revenue	$36,258	$1,128,356	-1.0%
Expenses	$704,856	$1,052,914	-0.3%
Net Income	$-668,598	$75,442	-9.9%

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

N/A

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
DARRIN DEETER	PRESIDENT - VP	0.50	Officer Director	$0	$0	$0
MARILY GALLOWAY	TREASURER SECRETARY	0.50	Officer Director	$0	$0	$0
VINCE LUMETTA	DIRECTOR	0.50	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
2026	$36,258	$704,856	No data	$-668,598
2025	$1,128,356	$1,052,914	$812,836	$75,442
2024	$642,437	$656,438	$1,195,009	$-14,001
2023	$707,503	$800,487	$765,160	$-92,984
2022	$438,069	$431,025	$758,626	$7,044
2021	$330,288	$299,497	$795,315	$30,791
2020	$207,336	$234,536	$761,077	$-27,200
2019	$251,920	$300,411	$780,537	$-48,491
2018	$230,385	$228,875	$872,899	$1,510

CHEBOYGAN COUNTY HABITAT FOR HUMANITY