HABITAT FOR HUMANITY OF WEST CENTRAL MN (EIN 411726284) - 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

1992

Legal Domicile

Principal Officer

KAYLA KLEIN

Phone

3202312704

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF WEST CENTRAL MN, founded in 1992, is a small nonprofit that reported $876K in total revenue in fiscal year 2024. Revenue surged 151% from the prior year, signaling strong growth momentum. Expenses of $825K left a modest 6% surplus.

Mission

HELPING FAMILIES THRIVE THROUGH AFFORDABLE HOMEOWNERSHIP.

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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 $290,216

Program Service Revenue $558,972

Investment Income $2,123

Other Revenue $24,826

TOTAL REVENUE $876,137

Expense Breakdown

Grants Paid $0

Salaries & Benefits $292,993

Fundraising Expenses $26,869

Program Expenses $558,456

Other Expenses $531,655

TOTAL EXPENSES $824,648

Year-over-Year Comparison

	2024	2023	Change
Revenue	$876,137	$349,046	+1.5%
Expenses	$824,648	$428,374	+0.9%
Net Income	$51,489	$-79,328	-1.6%

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

$59,226

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAYLA KLEIN	EXECUTIVE DI	40.00	Officer	$57,500	$1,726	$59,226
STEVE DRESLER	SECRETARY	2.00	Officer Director	$0	$0	$0
ANDY ENGAN	TREASURER	2.00	Officer Director	$0	$0	$0
RON FERGUSON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HOTEK	DIRECTOR	1.00	Director	$0	$0	$0
MIKE MCCAIN	DIRECTOR	1.00	Director	$0	$0	$0
SHARON TOLLEFSON	DIRECTOR	1.00	Director	$0	$0	$0
SKIP WRIGHT	CHAIR	2.00	Officer 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	$876,137	$824,648	$1,938,481	$51,489
2024	$349,046	$428,374	$1,734,719	$-79,328
2023	$683,952	$865,106	$1,672,521	$-181,154
2022	$910,467	$481,182	$1,396,366	$429,285
2021	$963,982	$1,074,455	$2,974,753	$-110,473
2020	$885,579	$956,856	$3,144,048	$-71,277
2019	$878,473	$955,396	$3,003,663	$-76,923

HABITAT FOR HUMANITY OF WEST CENTRAL MN