TWO RIVERS HABITAT FOR HUMANITY

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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

DAVID LEGAULT

Phone

5075160575

Tax Period

2024-07-01 to 2025-06-30

TWO RIVERS HABITAT FOR HUMANITY, founded in 1990, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $2.5M exceeded revenue, resulting in a 16% operating deficit.

Mission

TWO RIVERS HABITAT FOR HUMANITY BUILDS STRENTH, STABILITY, AND SELF-RELIANCE THROUGH SHELTER. WE WORK TO CREATE A WORLD WHERE EVERYONE HAS AN AFFORDABLE, SAFE, AND HEALTHY HOME.

Program Service Accomplishments

Program 1

Expenses: $1,482,234 Revenue: $832,952

TWO RIVERS BUILDS NEW HOMES AND PROVIDES CRITICAL REPAIRS TO EXISTING HOMES IN PARTNERSHIP WITH FAMILIES IN NEED OF BETTER SHELTER THROUGHOUT DODGE, OLMSTED, STEELE, WABASHA, AND WASECA COUNTIES. TWO RIVERS ALSO ADVOCATES FOR HOUSING POLICIES THAT ENABLE EVERYONE TO HAVE A DECENT PLACE TO LIVE.

Program 2

Expenses: $568,095 Revenue: $621,474

TWO RIVERS PROVIDES RESALE OPPORTUNITIES OF DONATED HOUSEHOLD AND CONSTRUCTION ITEMS AT THE HABITAT RESTORE.

Program 3

Expenses: $0 Revenue: $0

TWO RIVERS FINANCED THE HOME SALES AND HOLDS NON-INTEREST BEARING MORTGAGES. IMPUTED INTEREST IS RECOGNIZED FOR FINANCIAL REPORTING AS THE MORTGAGES MATURE.

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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 $721,085

Program Service Revenue $804,097

Investment Income $5,729

Other Revenue $635,076

TOTAL REVENUE $2,165,987

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,014,316

Fundraising Expenses $309,191

Program Expenses $2,050,329

Other Expenses $1,501,661

TOTAL EXPENSES $2,515,977

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,165,987	$1,748,217	+0.2%
Expenses	$2,515,977	$2,158,698	+0.2%
Net Income	$-349,990	$-410,481	-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

247

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

$106,515

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAYLOR HERMAN	CHAIR	2.00	Officer Director	$0	$0	$0
DAVID LEGAULT	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TRACEY BEYER	SECRETARY	1.00	Officer Director	$0	$0	$0
KATHLEEN MCNAUGHTON	TREASURER/DIRECTOR	0.50	Officer Director	$0	$0	$0
ADAM FUCHSTEINER	DIRECTOR/TREASURER	1.00	Officer Director	$0	$0	$0
HEATHER BARNESS	DIRECTOR	1.00	Director	$0	$0	$0
CHERI BLOCK	DIRECTOR	0.50	Director	$0	$0	$0
JEFF ANNEKE	DIRECTOR	0.50	Director	$0	$0	$0
TARA RABE	DIRECTOR	0.50	Director	$0	$0	$0
AMY NOVOTNE	DIRECTOR	0.50	Director	$0	$0	$0
KANDACE AMAZI	DIRECTOR	0.50	Director	$0	$0	$0
NORMAN AUTRY	DIRECTOR	0.50	Director	$0	$0	$0
BEN TREHEY	DIRECTOR	0.50	Director	$0	$0	$0
RYAN WILLIAMS	DIRECTOR	0.50	Director	$0	$0	$0
NICOLAS YOST	DIRECTOR	0.50	Director	$0	$0	$0
MELISSA OLSON	DIRECTOR	0.50	Director	$0	$0	$0
TERRY SMITH	EXECUTIVE DIRECTOR	40.00	Officer	$93,265	$13,250	$106,515

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	$2,165,987	$2,515,977	$4,552,435	$-349,990
2024	$1,748,217	$2,158,698	$4,274,683	$-410,481
2023	$1,440,861	$1,318,954	$4,708,813	$121,907
2022	$2,382,273	$1,744,471	$4,670,366	$637,802
2021	$1,605,861	$1,529,589	$3,870,534	$76,272
2020	$1,018,514	$1,203,071	$3,908,491	$-184,557
2018	$1,070,016	$1,067,915	$3,086,328	$2,101