ST CROIX VALLEY HABITAT FOR HUMANITY INC (EIN 391857467) - 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

1996

Legal Domicile

Principal Officer

KRISTINE SMITH

Phone

7155758739

Tax Period

2024-07-01 to 2025-06-30

ST CROIX VALLEY HABITAT FOR HUMANITY INC, founded in 1996, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $395K, a strong 32% operating margin.

Mission

ST. CROIX VALLEY HABITAT FOR HUMANITY PARTNERS WITH WORKING FAMILIES, SPONSORS, AND COMMUNITIES TO BUILD AFFORDABLE, SUSTAINABLE, QUALITY HOMES AND TO PROVIDE SUPPORT SERVICES THAT PROMOTE SUCCESSFUL HOME PURCHASE AND OWNERSHIP IN PIERCE AND ST. CROIX COUNTIES IN WI. ALIGNING STRATEGIC PLANNING WITH HABITAT FOR HUMANITY INTERNATIONAL AND HAVING A VISION OF AWORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE.

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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 $1,212,509

Program Service Revenue $0

Investment Income $3,129

Other Revenue $26,028

TOTAL REVENUE $1,241,666

Expense Breakdown

Grants Paid $0

Salaries & Benefits $516,039

Fundraising Expenses $87,596

Program Expenses $382,639

Other Expenses $330,707

TOTAL EXPENSES $846,746

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,241,666	$1,102,171	+0.1%
Expenses	$846,746	$748,750	+0.1%
Net Income	$394,920	$353,421	+0.1%

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

388

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

$112,929

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY ZIFKO	DIRECTOR	5.00	Officer Director	$0	$0	$0
MIKE STEBLAY	TREASURER	5.00	Officer Director	$0	$0	$0
MIKE STEARNEY	SECRETARY	5.00	Officer Director	$0	$0	$0
LISA SMITH	DIRECTOR	2.00	Director	$0	$0	$0
GINA MOE-KNUTSON	PRESIDENT	5.00	Officer Director	$0	$0	$0
JIM ELLIS	DIRECTOR	2.00	Director	$0	$0	$0
TABITHA JACKSON	DIRECTOR	2.00	Director	$0	$0	$0
MELISSA STEINER	DIRECTOR	2.00	Director	$0	$0	$0
JON WHITCOMB	DIRECTOR	2.00	Director	$0	$0	$0
CLARK SCHROEDER	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
CHRIS WONG	DIRECTOR	2.00	Director	$0	$0	$0
JOHN LESTOCK	DIRECTOR	2.00	Director	$0	$0	$0
DAN MURRAY	DIRECTOR	2.00	Director	$0	$0	$0
WENDY ROBSON	DIRECTOR	2.00	Director	$0	$0	$0
AARON SUNDEEN	DIRECTOR	2.00	Director	$0	$0	$0
KRISTIE SMITH	EXECUTIVE DIRECTOR	40.00	Officer	$112,929	$0	$112,929

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	$1,241,666	$846,746	$2,192,819	$394,920
2024	No data	No data	No data	No data
2023	$968,126	$650,462	$1,468,122	$317,664
2022	$711,350	$485,707	$1,181,620	$225,643
2021	$624,309	$322,775	$1,006,143	$301,534
2020	$349,519	$365,604	$924,726	$-16,085
2019	$513,066	$532,533	$2,044,676	$-19,467
2018	$668,312	$595,737	$2,129,721	$72,575

ST CROIX VALLEY HABITAT FOR HUMANITY INC