MARSHFIELD AREA HABITAT FOR HUMANITY INC (EIN 391816221) - 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

1990

Legal Domicile

Principal Officer

DAVID MURPHY

Phone

7153847533

Tax Period

2024-07-01 to 2025-06-30

MARSHFIELD AREA HABITAT FOR HUMANITY INC, founded in 1990, is a small nonprofit that reported $153K in total revenue in fiscal year 2024. Revenue fell 38% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $112K, a strong 73% operating margin.

Mission

CREATE, PRESERVE, AND PROMOTES AFFORDABLE HOMEOWNERSHIP AND ADVANCE RACIAL EQUITY IN HOUSING.

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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 $123,238

Program Service Revenue $23,425

Investment Income $3,727

Other Revenue $2,546

TOTAL REVENUE $152,936

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,016

Fundraising Expenses $0

Program Expenses $33,013

Other Expenses $30,737

TOTAL EXPENSES $40,753

Year-over-Year Comparison

	2024	2023	Change
Revenue	$152,936	$248,474	-0.4%
Expenses	$40,753	$309,094	-0.9%
Net Income	$112,183	$-60,620	-2.9%

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

Volunteers

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
GISELE BERNINGHAUS	DIRECTOR	5.00	Director	$0	$0	$0
ED PLOTKA	DIRECTOR	0.25	Director	$0	$0	$0
VICKI RODER	DIRECTOR	0.50	Director	$0	$0	$0
KENT MUELLER	DIRECTOR	5.00	Director	$0	$0	$0
BRENT YSTAD	DIRECTOR	0.25	Director	$0	$0	$0
KRISTINA HOWEY	DIRECTOR	0.25	Director	$0	$0	$0
JOSH KILTY	DIRECTOR	0.25	Director	$0	$0	$0
DAVID MURPHY	TREASURER	1.00	Officer	$0	$0	$0
ASHLEY FREDRICK	VICE PRESIDENT	0.50	Officer	$0	$0	$0
DON ZAIS	PRESIDENT	10.00	Officer	$0	$0	$0
ED KORLESKY	SECRETARY	8.00	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
2025	$152,936	$40,753	$756,679	$112,183
2024	$248,474	$309,094	$370,834	$-60,620
2023	$340,153	$402,147	$438,266	$-61,994
2022	$220,404	$24,687	$497,897	$195,717

MARSHFIELD AREA HABITAT FOR HUMANITY INC