HABITAT FOR HUMANITY OF NORTH CENTRAL IOWA (EIN 421408763) - 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

1993

Legal Domicile

Principal Officer

MELISSA SCHONEBERG

Phone

6414248978

Tax Period

2022-07-01 to 2023-06-30

HABITAT FOR HUMANITY OF NORTH CENTRAL IOWA, founded in 1993, is a small nonprofit that reported $735K in total revenue in fiscal year 2022. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $659K left a modest 10% surplus.

Mission

THE PURPOSE OF THE ORGANIZION IS TO CREATE DECENT, AFFORDABLE HOUSING FOR THOSE IN NEED AND TO MAKE DECENT SHELTER A MATTER OF CONSCIENCE WITH PEOPLE EVERYWHERE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $585,391

Program Service Revenue $120,133

Investment Income $16,701

Other Revenue $12,286

TOTAL REVENUE $734,511

Expense Breakdown

Grants Paid $0

Salaries & Benefits $363,746

Fundraising Expenses $56,044

Program Expenses $520,488

Other Expenses $295,412

TOTAL EXPENSES $659,158

Year-over-Year Comparison

	2022	2021	Change
Revenue	$734,511	$614,577	+0.2%
Expenses	$659,158	$481,306	+0.4%
Net Income	$75,353	$133,271	-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

250

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

$87,976

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSA SCHONEBERG	EXECUTIVE DIRECTOR	40.00	Officer	$85,414	$0	$87,976
JENNIFER BREISTER	PRESIDENT	3.00	Director	$0	$0	$0
MARY HACKMAN	TREASURER	3.00	Officer Director	$0	$0	$0
PERRY BUFFINGTON	SECRETARY	3.00	Officer Director	$0	$0	$0
TIM LATHAM	VICE-PRESIDENT	3.00	Officer Director	$0	$0	$0
PAUL CHARLSON	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE OLSON	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRIAN CARLSON	DIRECTOR	1.00	Director	$0	$0	$0
KENT BRCKA	DIRECTOR	1.00	Director	$0	$0	$0
BISHOP KEVIN JONES	DIRECTOR	1.00	Director	$0	$0	$0
RUSTIN LINGBEEK	DIRECTOR	1.00	Director	$0	$0	$0
TRACY KADING	DIRECTOR	1.00	Director	$0	$0	$0
REED WESSMAN	DIRECTOR	1.00	Director	$0	$0	$0
JASON BLICKENDERFER	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$734,511	$659,158	$3,318,355	$75,353
2022	$614,577	$481,306	$3,247,648	$133,271
2021	$1,238,483	$722,348	$3,116,085	$516,135
2020	$523,514	$423,911	$2,695,401	$99,603
2019	$813,270	$670,844	$2,522,700	$142,426
2018	$768,102	$686,571	$2,376,087	$81,531

HABITAT FOR HUMANITY OF NORTH CENTRAL IOWA