OTTUMWA HABITAT FOR HUMANITY (EIN 421358343) - 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

1990

Legal Domicile

Principal Officer

LINDSAY WORTH

Phone

6414558625

Tax Period

2024-07-01 to 2025-06-30

OTTUMWA HABITAT FOR HUMANITY, founded in 1990, is a micro nonprofit that reported $9K in total revenue in fiscal year 2024. Revenue fell 91% from the prior year — a significant decline worth monitoring. Expenses of $45K exceeded revenue, resulting in a 426% operating deficit.

Mission

CONSTRUCT AND SELL HOUSES TO LOW INCOME FAMILIES AT COST.

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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 $4,147

Program Service Revenue $0

Investment Income $4,339

Other Revenue $36

TOTAL REVENUE $8,522

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,200

Fundraising Expenses $0

Program Expenses $31,129

Other Expenses $37,598

TOTAL EXPENSES $44,798

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,522	$93,427	-0.9%
Expenses	$44,798	$37,557	+0.2%
Net Income	$-36,276	$55,870	-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

N/A

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

$7,200

Total Directors

$7,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDSAY WORTH	PRESIDENT	1.00	Officer Director	$7,200	$0	$7,200
AJ GEVOCK	DIRECTOR	1.00	Director	$0	$0	$0
KORY MCDONALD	DIRECTOR	1.00	Director	$0	$0	$0
NATE MILLER	DIRECTOR	1.00	Director	$0	$0	$0
TERI ORTGIES	SECRETARY	1.00	Officer Director	$0	$0	$0
RANDY SCHREINER	DIRECTOR	1.00	Director	$0	$0	$0
TONI STEWART	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WEBBER	DIRECTOR	1.00	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	$8,522	$44,798	$546,045	$-36,276
2024	$93,427	$37,557	$581,895	$55,870
2023	$12,614	$60,298	$534,025	$-47,684
2022	$111,643	$19,123	$581,709	$92,520

OTTUMWA HABITAT FOR HUMANITY