HABITAT FOR HUMANITY OF MINNESOTA INC (EIN 411889904) - 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

1997

Legal Domicile

Principal Officer

CRISTEN INCITTI

Phone

6123314439

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF MINNESOTA INC, founded in 1997, is a community nonprofit that reported $5.5M in total revenue in fiscal year 2024. Revenue surged 198% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.0M, a strong 54% operating margin.

Mission

HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITY, AND HOPE.

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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 $4,620,980

Program Service Revenue $687,290

Investment Income $193,876

Other Revenue $557

TOTAL REVENUE $5,502,703

Expense Breakdown

Grants Paid $420,710

Salaries & Benefits $1,435,325

Fundraising Expenses $106,544

Program Expenses $2,085,720

Other Expenses $657,247

TOTAL EXPENSES $2,513,282

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,502,703	$1,848,383	+2.0%
Expenses	$2,513,282	$1,750,139	+0.4%
Net Income	$2,989,421	$98,244	+29.4%

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

$317,570

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRET BUSSE	CHAIR	0.25	Officer Director	$0	$0	$0
EMMA KASIGA	VICE CHAIR	0.25	Officer Director	$0	$0	$0
JILL KIENER	TREASURER	0.25	Officer Director	$0	$0	$0
IRENE RUIZ-BRISENO	SECRETARY	0.25	Officer Director	$0	$0	$0
AUBREY ALBRECHT	MEMBER	0.25	Director	$0	$0	$0
STAN CARIGNAN	MEMBER	0.25	Director	$0	$0	$0
PAT CULLEN	MEMBER	0.25	Director	$0	$0	$0
KATIE CUMMING	MEMBER	0.25	Director	$0	$0	$0
DANIELLE DUNCAN	MEMBER	0.25	Director	$0	$0	$0
VINCENT HENRY	MEMBER	0.25	Director	$0	$0	$0
SONDRA HERMAN	MEMBER	0.25	Director	$0	$0	$0
KASEY KIER	MEMBER	0.25	Director	$0	$0	$0
RUTH LUNDE	MEMBER	0.25	Director	$0	$0	$0
JIM NELSON	MEMBER	0.25	Director	$0	$0	$0
COLE ST ARNOLD	MEMBER	0.25	Director	$0	$0	$0
NATHAN THOMPSON	MEMBER	0.25	Director	$0	$0	$0
CRISTEN INCITTI	PRESIDENT & CEO	40.00	Officer	$153,577	$47,371	$200,948
PHIL HATLIE	FINANCE DIRECTOR	40.00	Officer	$114,058	$2,564	$116,622
BECCA SEIDEL	DEPUTY EXECUTIVE DIRECTOR	40.00	Highest	$109,777	$26,829	$136,606
DEVON POHLMAN	LENDING STRATEGIES DIRECTOR	40.00	Highest	$114,105	$1,010	$115,115

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	$5,502,703	$2,513,282	$40,520,566	$2,989,421
2024	$1,848,383	$1,750,139	$38,647,459	$98,244
2023	$3,152,606	$1,459,043	$36,752,114	$1,693,563
2022	$2,293,890	$1,816,618	$30,111,691	$477,272
2021	$2,116,307	$1,692,099	$31,495,864	$424,208
2020	$2,135,875	$2,238,367	$32,226,335	$-102,492
2019	$2,104,710	$2,178,385	$32,674,910	$-73,675
2018	$2,474,187	$2,449,916	$33,264,340	$24,271

HABITAT FOR HUMANITY OF MINNESOTA INC