WESTERN LAKE SUPERIOR HABITAT FOR HUMANITY (EIN 411631246) - 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

1987

Legal Domicile

Principal Officer

DARREN SCHMITT

Phone

2185769360

Tax Period

2024-07-01 to 2025-06-30

WESTERN LAKE SUPERIOR HABITAT FOR HUMANITY, founded in 1987, is a small nonprofit that reported $486K in total revenue in fiscal year 2024. Revenue surged 88% from the prior year, signaling strong growth momentum. Expenses of $441K left a modest 9% surplus.

Mission

PROVIDE HOMEOWNERSHIP OPPORTUNITIES TO LOW-INCOME HOUSEHOLDS AND MAKE REPAIRS TO EXISTING HOMES FOR VERY LOW-INCOME HOMEOWNERS.

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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 $322,617

Program Service Revenue $165,000

Investment Income $-2,064

Other Revenue $607

TOTAL REVENUE $486,160

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,807

Fundraising Expenses $131

Program Expenses $362,560

Other Expenses $335,842

TOTAL EXPENSES $440,649

Year-over-Year Comparison

	2024	2023	Change
Revenue	$486,160	$259,277	+0.9%
Expenses	$440,649	$253,556	+0.7%
Net Income	$45,511	$5,721	+7.0%

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

$74,164

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARLA PRESTON-YOHO	PRESIDENT	1.00	Officer Director	$0	$0	$0
DIANNE KLEPATZ	SECRETARY	1.00	Officer Director	$0	$0	$0
TIM MEYER	TREASURER	1.00	Officer Director	$0	$0	$0
BILL LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
ERIC YONKE	DIRECTOR	1.00	Director	$0	$0	$0
CHAD BEHLING	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BRADSHAW	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA SCHLUNEGGER	EXECUTIVE DI	40.00	Officer	$9,241	$0	$9,241
DARREN SCHMITT	EXECUTIVE DI	40.00	Officer	$64,923	$0	$64,923

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	$486,160	$440,649	$756,873	$45,511
2024	$259,277	$253,556	$834,518	$5,721
2023	$211,393	$221,987	$783,155	$-10,594
2022	$481,906	$607,432	$863,360	$-125,526
2021	$186,002	$139,465	$957,427	$46,537
2020	$283,585	$198,656	$976,714	$84,929
2020	$234,238	$224,559	$920,825	$9,679
2019	$697,872	$621,221	$912,632	$76,651
2018	$926,639	$788,919	$930,097	$137,720

WESTERN LAKE SUPERIOR HABITAT FOR HUMANITY