NORTHWOODS HABITAT FOR HUMANITY INC

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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

GERI HICKERSON

Phone

2187514649

Tax Period

2024-07-01 to 2025-06-30

NORTHWOODS HABITAT FOR HUMANITY INC, founded in 1990, is a small nonprofit that reported $455K in total revenue in fiscal year 2024. Expenses of $523K exceeded revenue, resulting in a 15% operating deficit.

Mission

THE ORGANIZATION'S MISSION IS TO PROVIDE LOW-INCOME FAMILIES WITH DECENT AND AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $372,782 Revenue: $173,836

THE ORGANIZATION'S MISSION IS TO PROVIDE LOW-INCOME FAMILIES WITH DECENT AND AFFORDABLE HOUSING. THIS IS THE PRIMARY PROGRAM. NORTHWOODS HABITAT FOR HUMANITY BUILDS AND RENOVATES HOMES UTILIZING...

THE ORGANIZATION'S MISSION IS TO PROVIDE LOW-INCOME FAMILIES WITH DECENT AND AFFORDABLE HOUSING. THIS IS THE PRIMARY PROGRAM. NORTHWOODS HABITAT FOR HUMANITY BUILDS AND RENOVATES HOMES UTILIZING VOLUNTEER LABOR, DONATED MATERIALS, AND CONTRIBUTED FUNDS. THE HOMES ARE THEN SOLD WITH A ZERO INTEREST LOAN TO PRE-QUALIFIED, LOWER INCOME FAMILIES. HOMEBUYERS ARE SELECTED BASED UPON NEED, ABILITY TO REPAY THE HABITAT MORTGAGE, AND WILLINGNESS TO PARTNER. THE ORGANIZATION ALSO TITHES A PORTION OF ITS GENERAL DONATIONS TO HABITAT FOR HUMANITY INTERNATIONAL FOR USE IN BUILDING HOMES OUTSIDE THE UNITED STATES.

Program 2

Expenses: $14,100

THE ORGANIZATION UTILIZES ADVERTISING AND PROMOTIONS TO PROMOTE THE ORGANIZATION, LEADING TO FUNDS AND GRANTS.

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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 $248,940

Program Service Revenue $172,520

Investment Income $24,172

Other Revenue $9,164

TOTAL REVENUE $454,796

Expense Breakdown

Grants Paid $14,100

Salaries & Benefits $269,884

Fundraising Expenses $2,140

Program Expenses $386,882

Other Expenses $238,622

TOTAL EXPENSES $522,606

Year-over-Year Comparison

	2024	2023	Change
Revenue	$454,796	$451,384	+0.0%
Expenses	$522,606	$602,076	-0.1%
Net Income	$-67,810	$-150,692	-0.6%

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

$103,208

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GERI HICKERSON	EXECUTIVE DIRECTOR	40.00	Director	$91,890	$11,318	$103,208
CHRIS HAMILTON	PRESIDENT	10.00	Officer Director	$0	$0	$0
VANESSA OSBORN	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
JIM PINSONNEAULT	TREASURER	4.00	Officer Director	$0	$0	$0
JODY WESTGAARD	SECRETARY	4.00	Officer Director	$0	$0	$0
PATTY MORRIS	BOARD MEMBER	1.00	Director	$0	$0	$0
RICHARD DE LA HUNT	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE MOEN	BOARD MEMBER	1.00	Director	$0	$0	$0
RICHARDO CANTY	BOARD MEMBER	1.00	Director	$0	$0	$0
JODI SCHROEDER	BOARD MEMBER	1.00	Director	$0	$0	$0
MITCH RAUTIO	BOARD MEMBER	1.00	Director	$0	$0	$0
SARAH HOKUF	BOARD MEMBER	1.00	Director	$0	$0	$0
AMBER HILDEBRANDT	BOARD MEMBER	1.00	Director	$0	$0	$0
KARI CARLSON	BOARD MEMBER	1.00	Director	$0	$0	$0
NICOLE WANGBERG	BOARD MEMBER	1.00	Director	$0	$0	$0
JOAN NELSON	BOARD MEMBER	1.00	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	$454,796	$522,606	$2,234,146	$-67,810
2024	$451,384	$602,076	$2,268,498	$-150,692
2023	$465,700	$454,385	$2,416,376	$11,315
2022	$641,326	$597,707	$2,423,039	$43,619
2021	$687,626	$545,279	$2,384,124	$142,347
2020	$826,345	$498,620	$2,288,263	$327,725
2019	$535,961	$447,456	$1,924,529	$88,505