HABITAT FOR HUMANITY OF MARTIN-FARIBAULT COUNTIES (EIN 411913353) - 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

1987

Legal Domicile

Principal Officer

TERRY MALHEREK

Phone

5072384717

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF MARTIN-FARIBAULT COUNTIES, founded in 1987, is a small nonprofit that reported $182K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $31K, a strong 17% operating margin.

Mission

BUILD AFFORDABLE HOUSING FOR LOW INCOME FAMILIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $177,185

Program Service Revenue $0

Investment Income $135

Other Revenue $4,876

TOTAL REVENUE $182,196

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,733

Fundraising Expenses $0

Program Expenses $110,628

Other Expenses $82,200

TOTAL EXPENSES $150,933

Year-over-Year Comparison

	2023	2022	Change
Revenue	$182,196	$156,366	+0.2%
Expenses	$150,933	$105,883	+0.4%
Net Income	$31,263	$50,483	-0.4%

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

112

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

$35,272

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRY MALHEREK	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RICHARD JENSEN	DIRECTOR	1.00	Director	$0	$0	$0
DANIELLE LUNIEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
SIERRA MCGRAW	DIRECTOR	1.00	Director	$0	$0	$0
LAURYNE STERN	DIRECTOR	1.00	Director	$0	$0	$0
HEIDI THOMAS	DIRECTOR	1.00	Director	$0	$0	$0
AARON GOSHORN	DIRECTOR	1.00	Director	$0	$0	$0
DEAN LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY HUPER	DIRECTOR	1.00	Director	$0	$0	$0
KATIE SIEPKER	DIRECTOR	1.00	Director	$0	$0	$0
STACI THOMPSON	EXECUTIVE DIRECTOR	30.00	Officer	$35,272	$0	$35,272

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	No data	No data	No data	No data
2024	$182,196	$150,933	$2,115,713	$31,263
2023	$156,366	$105,883	$1,910,915	$50,483
2022	$394,985	$169,601	$1,795,834	$225,384
2021	$72,682	$100,093	$1,419,209	$-27,411

HABITAT FOR HUMANITY OF MARTIN-FARIBAULT COUNTIES