HABITAT FOR HUMANITY NORTHWOODS INC (EIN 391915846) - 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

DAVID HAVEL

Phone

7154202301

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY NORTHWOODS INC, founded in 1997, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $291K, a strong 29% operating margin.

Mission

TO HELP FAMILIES BUILD AFFORDABLE HOMES AND HELP THE ELDERLY IMPROVE THEIR HOMES.

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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 $198,502

Program Service Revenue $765,392

Investment Income $15,295

Other Revenue $29,289

TOTAL REVENUE $1,008,478

Expense Breakdown

Grants Paid $0

Salaries & Benefits $344,677

Fundraising Expenses $19,962

Program Expenses $619,312

Other Expenses $372,821

TOTAL EXPENSES $717,498

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,008,478	$829,250	+0.2%
Expenses	$717,498	$688,669	+0.0%
Net Income	$290,980	$140,581	+1.1%

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

127

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

$50,290

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAY ANDERSON	PRESIDENT	2.00	Officer Director	$0	$0	$0
ANDY CORDOVA	TREASURER	2.00	Officer Director	$0	$0	$0
GREG BLUM	DIRECTOR	1.00	Director	$0	$0	$0
JESS GAEDTKE	DIRECTOR	1.00	Director	$0	$0	$0
BOB CHASTEEN	DIRECTOR	1.00	Director	$0	$0	$0
ELVIS BAUMAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFF MUSSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVE HAVEL	EXECUTIVE DIRECTOR	40.00	Officer	$49,608	$682	$50,290

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	$1,008,478	$717,498	$1,539,017	$290,980
2024	$829,250	$688,669	$1,312,274	$140,581
2023	$566,366	$428,079	$1,207,714	$138,287
2022	$737,742	$374,141	$1,074,103	$363,601
2021	$353,695	$362,970	$706,819	$-9,275
2020	$519,478	$529,264	$418,805	$-9,786
2019	$310,090	$367,067	$429,832	$-56,977

HABITAT FOR HUMANITY NORTHWOODS INC