IOWA VALLEY HABITAT FOR HUMANITY INC (EIN 421410210) - 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

SCOTT HAWES

Phone

3193378949

Tax Period

2024-07-01 to 2025-06-30

IOWA VALLEY HABITAT FOR HUMANITY INC, founded in 1992, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $3.1M left a modest 11% surplus.

Mission

TO BUILD AND SELL HOUSES FOR LOW INCOME INDIVIDUALS AND FAMILIES AT AFFORDABLE PRICES.

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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 $1,884,735

Program Service Revenue $1,542,041

Investment Income $17,553

Other Revenue $68,282

TOTAL REVENUE $3,512,611

Expense Breakdown

Grants Paid $0

Salaries & Benefits $915,298

Fundraising Expenses $134,544

Program Expenses $2,670,698

Other Expenses $2,215,838

TOTAL EXPENSES $3,131,136

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,512,611	$2,622,650	+0.3%
Expenses	$3,131,136	$2,905,493	+0.1%
Net Income	$381,475	$-282,843	-2.3%

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

1170

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

$151,672

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HUGHS JOE	VP (END 12/24)/PRESIDENT(BEG 1/25)	1.00	Officer Director	$0	$0	$0
CUMMINS KATIE	DIRECTOR (END 12/24)/VP(BEG 01/25)	1.00	Officer Director	$0	$0	$0
LOVAN PHUC	TREASURER	1.00	Officer Director	$0	$0	$0
PERRY TYESHA	DIR.(END 12/24)/SECRETARY(BEG 1/25)	1.00	Officer Director	$0	$0	$0
MINETOS TARA	PRESIDENT (THRU 12/2024)	1.00	Officer Director	$0	$0	$0
CARLSON RICHARD	SECRETARY (THRU 12/2024)	1.00	Officer Director	$0	$0	$0
BECK MACKENZIE	DIRECTOR (THRU 12/2024)	1.00	Director	$0	$0	$0
PUTNEY CURRAN	DIRECTOR	1.00	Director	$0	$0	$0
RUSSELL BEN	DIRECTOR	1.00	Director	$0	$0	$0
ZORA ALP	DIRECTOR	1.00	Director	$0	$0	$0
JARAMILLO PAOLA	DIRECTOR	1.00	Director	$0	$0	$0
BEHNING TERRY	DIRECTOR	1.00	Director	$0	$0	$0
BELTRE INES	DIRECTOR	1.00	Director	$0	$0	$0
FIALA AUSTEN	DIRECTOR	1.00	Director	$0	$0	$0
LEONARD LUKE	DIRECTOR	1.00	Director	$0	$0	$0
HAWES SCOTT	EXECUTIVE DIRECTOR	45.00	Officer	$86,611	$2,320	$88,931
ASH-MOORE REGINA	FINANCE DIRECTOR	45.00	Officer	$61,236	$1,505	$62,741

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	$3,512,611	$3,131,136	$4,184,790	$381,475
2024	$2,622,650	$2,905,493	$3,759,889	$-282,843
2023	$3,471,739	$3,234,687	$4,536,547	$237,052
2022	$2,240,012	$1,923,654	$4,338,922	$316,358
2021	$1,960,666	$1,179,161	$4,122,701	$781,505
2020	$2,235,550	$2,434,698	$3,397,929	$-199,148
2019	$1,849,058	$1,687,848	$4,510,963	$161,210
2018	$2,527,507	$2,608,761	$4,523,169	$-81,254

IOWA VALLEY HABITAT FOR HUMANITY INC