WOLF RIVER HABITAT FOR HUMANITY INC (EIN 391906510) - 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

1997

Legal Domicile

Principal Officer

KEVIN CULHANE

Phone

7155243007

Tax Period

2024-07-01 to 2025-06-30

WOLF RIVER HABITAT FOR HUMANITY INC, founded in 1997, is a small nonprofit in the Housing & Shelter sector that reported $413K in total revenue in fiscal year 2024. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $363K left a modest 12% surplus.

Mission

BUILD HOMES IN PARTNERSHIP WITH LOW INCOME QUALIFIED FAMILIES

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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 $30,920

Program Service Revenue $0

Investment Income $2,765

Other Revenue $379,813

TOTAL REVENUE $413,498

Expense Breakdown

Grants Paid $39,891

Salaries & Benefits $132,612

Fundraising Expenses $0

Program Expenses $247,237

Other Expenses $190,671

TOTAL EXPENSES $363,174

Year-over-Year Comparison

	2024	2023	Change
Revenue	$413,498	$615,739	-0.3%
Expenses	$363,174	$542,195	-0.3%
Net Income	$50,324	$73,544	-0.3%

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
DARCI KOTTER	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
KEVIN CULHANE	PRESIDENT	18.00	Officer Director	$0	$0	$0
DEBBIE ZWEIGER	SECRETARY	5.00	Officer Director	$0	$0	$0
ROGER OLSON	TREASURER	18.00	Officer Director	$0	$0	$0
RANDALL BOHM	DIRECTOR	14.00	Director	$0	$0	$0
MIKE GROTH	DIRECTOR	14.00	Director	$0	$0	$0
JON SCHEDLER	DIRECTOR	2.00	Director	$0	$0	$0
BRYAN GAGNON	DIRECTOR	5.00	Director	$0	$0	$0
JAMIE LOUDBEAR-WAYKA	DIRECTOR	2.00	Director	$0	$0	$0
BRUCE GOMM	DIRECTOR	2.00	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
2025	$413,498	$363,174	$1,420,513	$50,324
2024	$615,739	$542,195	$1,385,694	$73,544
2023	$417,951	$372,589	$1,340,298	$45,362
2022	$518,933	$516,219	$1,250,876	$2,714
2021	$311,750	$235,175	$763,397	$76,575
2020	$236,878	$241,139	$696,521	$-4,261
2019	$392,991	$327,871	$669,113	$65,120
2018	$387,109	$295,873	$604,819	$91,236

WOLF RIVER HABITAT FOR HUMANITY INC