DULUTH, MN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)ONE ROOF COMMUNITY HOUSING, founded in 1990, is a community nonprofit in the Housing & Shelter sector that reported $5.1M in total revenue in fiscal year 2024. Revenue surged 32% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.2M, a strong 43% operating margin.
ONE ROOF MISSION STATEMENT: ENRICHING LIVES AND COMMUNITIES ONE HOME AT A TIME.ONE ROOF VISION STATEMENT: COMMUNITIES WHERE EVERYONE HAS ACCESS TO SUSTAINABLE AND AFFORDABLE HOUSING.ENRICHING LIVES & COMMUNITIES ONE HOME AT A TIME. ONE ROOF HELPS STRENGTHEN THE FOUNDATIONS OF OUR COMMUNITIES BY PROVIDING HOUSING SERVICES AND BUILDING AND SUSTAINING AFFORDABLE HOMES AND HEALTHY NEIGHBORHOODS. WE MAKE HOME A BETTER PLACE BY HELPING LOWER INCOME PEOPLE PURCHASE A HOME OR REPAIR THEIR HOME, BY PROVIDING HOUSING DEVELOPMENT SERVICES TO THE COMMUNITY, AND BY COORDINATING ACTIVITY ACROSS OUR NEIGHBORHOODS IN DULUTH. THIS WORK HELPS ONE ROOF FULFILL OUR MISSION OF ENSURING ACCESS TO SUSTAINABLE AND AFFORDABLE HOUSING FOR EVERYONE.
COMMUNITY LAND TRUST (CLT) PROGRAM: DEVELOPMENT AND STEWARDSHIP OF PERMANENTLY AFFORDABLE CLT HOMES FOR PURCHASE BY LOW-MODERATE INCOME HOUSEHOLDS TO ENSURE AFFORDABLE HOMEOWNERSHIP OPPORTUNITIES...
COMMUNITY LAND TRUST (CLT) PROGRAM: DEVELOPMENT AND STEWARDSHIP OF PERMANENTLY AFFORDABLE CLT HOMES FOR PURCHASE BY LOW-MODERATE INCOME HOUSEHOLDS TO ENSURE AFFORDABLE HOMEOWNERSHIP OPPORTUNITIES WILL EXIST IN OUR COMMUNITY FOR FUTURE GENERATIONS. CURRENT FOCUS IS ON ACQUISITION-REHABILITATION AND SALE OF PROPERTIES IN DULUTH, PROCTOR, HERMANTOWN, CLOQUET, GRAND RAPIDS AND TWO HARBORS. WE ALSO HAVE A NUMBER OF NEW CONSTRUCTION HOMES IN THE DULUTH AREA THAT WILL BE COMPLETED IN 2025-2026. IN 2024, ONE ROOF HELPED 33 HOUSEHOLDS PURCHASE A HOME, WHICH INCLUDED ACQUISITION/REHAB HOMES AND RESALE HOMES.
MULTIFAMILY HOUSING DEVELOPMENT SERVICES: ONE ROOF DEVELOPS AFFORDABLE RENTAL HOUSING OPPORTUNITIES FOR LOWER INCOME HOUSEHOLDS IN OUR COMMUNITY AND TO HELP INDIVIDUALS EXPERIENCING HOMELESSNESS...
MULTIFAMILY HOUSING DEVELOPMENT SERVICES: ONE ROOF DEVELOPS AFFORDABLE RENTAL HOUSING OPPORTUNITIES FOR LOWER INCOME HOUSEHOLDS IN OUR COMMUNITY AND TO HELP INDIVIDUALS EXPERIENCING HOMELESSNESS. MULTI-FAMILY PROJECTS INCLUDE DECKER DWELLINGS, A 42-UNIT APARTMENT BUILDING LOCATED IN DULUTH HEIGHTS. BREWERY CREEK APARTMENTS OPENED IN FALL OF 2024, BRINGING 52 AFFORDABLE HOUSING UNITS TO DULUTH'S CENTRAL HILLSIDE NEIGHBORHOOD. OF THE 52 UNITS ABOUT HALF ARE DESIGNATED FOR YOUNG ADULTS WHO HAVE EXPERIENCED HOMELESSNESS. PLOVER PLACE, A NEW MODEL FOR HOUSING, OPENED IN LATE 2024 AND PROVIDES 24 UNITS OF AFFORDABLE HOUSING TO UNHOUSED SINGLE PEOPLE. BIRCHWOOD APARTMENTS, LOCATED IN GRAND MARAIS WITH 24 UNITS, WAS ACQUIRED IN 2024 AND REMODELING WORK BEGAN IN 2024 AND WILL BE FINISHED IN 2025. BRAE VIEW SENIOR APARTMENTS WAS AWARDED FINAL FUNDING NEEDED IN 2023 AND CONSTRUCTION WILL START IN THE FALL OF 2025. THE PROJECT WILL PROVIDE 72 UNITS OF AFFORDABLE RENTAL HOUSING, INCLUDING COMMUNITY SPACE FOR CHILDCARE AND OFFICE SPACE DESIGNATED FOR SERVICE PROVIDERS.
HOMEBUYER EDUCATION: HOME STRETCH CLASSES AND PRE/POST PURCHASE COUNSELING AND EDUCATION TO ENSURE THAT LOWER INCOME HOMEOWNERS ARE PREPARED TO BE SUCCESSFUL IN THEIR HOMEOWNERSHIP ENDEAVORS. HOME...
HOMEBUYER EDUCATION: HOME STRETCH CLASSES AND PRE/POST PURCHASE COUNSELING AND EDUCATION TO ENSURE THAT LOWER INCOME HOMEOWNERS ARE PREPARED TO BE SUCCESSFUL IN THEIR HOMEOWNERSHIP ENDEAVORS. HOME STRETCH CLASSES ARE OFFERED 12 TIMES PER YEAR. IN 2024, 263 HOUSEHOLDS COMPLETED THE HOME STRETCH CLASS, AND 178 NEW HOUSEHOLDS UTILIZED HOMEBUYER COUNSELING SERVICES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $5,068,402 | $3,852,925 | +0.3% |
| Expenses | $2,878,572 | $2,127,547 | +0.4% |
| Net Income | $2,189,830 | $1,725,378 | +0.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| JEFF COREY | EXECUTIVE DIRECTOR | 40.00 |
Officer
|
$119,653 | $35,372 | $155,025 |
| VICKIE HARTLEY | SENIOR FINANCE DIRECTOR | 40.00 |
Officer
|
$106,900 | $11,456 | $118,356 |
| RYAN JONES-CASEY | BOARD CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| EMILY EDISON | BOARD VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JESSICA LANGER | BOARD SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JAMES AIRD | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| AARON KELLY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| DENEICE KRAMER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| TONYA LOKEN | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| BRIAN MURPHY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MARY FRANCES SKALA | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| HANNAH SMITH | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JOHN STAINE | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SOPHIE STONE | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JOEL TRACEY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $5,068,402 | $2,878,572 | $23,502,390 | $2,189,830 |
| 2023 | $3,852,925 | $2,127,547 | $22,666,939 | $1,725,378 |
| 2022 | $2,222,382 | $1,940,500 | $17,407,125 | $281,882 |
| 2021 | $3,217,974 | $1,773,331 | $17,680,751 | $1,444,643 |
| 2020 | $3,956,384 | $1,612,059 | $15,222,470 | $2,344,325 |
| 2019 | $3,592,408 | $1,458,357 | $14,805,636 | $2,134,051 |
| 2018 | $1,665,476 | $1,764,795 | $14,343,849 | $-99,319 |
Compare ONE ROOF COMMUNITY HOUSING with other nonprofits in Minnesota and across the country.