RIVER CITY HABITAT FOR HUMANITY

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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

CONNIE CUNNINGHAM

Phone

5736358439

Tax Period

2024-07-01 to 2025-06-30

RIVER CITY HABITAT FOR HUMANITY, founded in 1992, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Net assets of $3.0M represent 28 months of operating reserves.

Mission

SEEKING TO PUT GODS LOVE INTO ACTION. HABITAT FOR HUMANITY BRINGSPEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE. WE PARTNER WITHFAMILIES TO HELP BUILD SAFE, AFFORDABLE HOUSES WHERE FAMILIES CANGROW.

Program Service Accomplishments

Program 1

Expenses: $1,217,854 Revenue: $853,402

HOUSING - WE PARTNER WITH LOW-INCOME INDIVIDUALS AND FAMILIES INJEFFERSON CITY AND THE COLE COUNTY SURROUNDING AREAS TO HELP BUILD ORREFURBISH HOMES WITH THE GOAL OF HOMEOWNERSHIP. PARTNER FAMILIES MUSTSHOW A WILLINGNESS TO PARTNER WITH US BY VOLUNTEERING 350-450 HOURS OFSWEAT EQUITY EITHER ON OTHER FAMILYS HOUSES OR THEIR OWN BUILD BEFOREPURCHASING THEIR HOME. HABITAT FINANCES THE HOMES WITH A 20-25 YEARINTEREST-FREE MORTGAGE.

Program 2

RESTORE - THE HABITAT RESTORE ACCEPTS DONATIONS OF FURNITURE,APPLIANCES, HOUSEHOLD GOODS, PLUMBING FIXTURES, DOORS, WINDOWS,CABINETS, AND COUNTERTOPS. THIS RESTORE IS ONE OF OUR LARGESTFUNDRAISERS...

RESTORE - THE HABITAT RESTORE ACCEPTS DONATIONS OF FURNITURE,APPLIANCES, HOUSEHOLD GOODS, PLUMBING FIXTURES, DOORS, WINDOWS,CABINETS, AND COUNTERTOPS. THIS RESTORE IS ONE OF OUR LARGESTFUNDRAISERS, SERVING FOUR PURPOSES IN THE COMMUNITY. IT KEEPS THOUSANDSOF POUNDS OF MATERIALS OUT OF THE LANDFILLS, ALLOWS FOR A PLACE FORRESIDENTS WHO NO LONGER HAVE A USE FOR THEIR ITEMS, A PLACE TO DONATETHEM, OFFERS OPPORTUNITIES FOR BARGAIN SEEKERS TO PURCHASE USED ITEMSAND SAVE MONEY, AND IT IS ONE OF OUR LARGEST FUNDRAISERS AS MENTIONEDABOVE.

Program 3

FAMILY SUPPORT AND EDUCATION - ONCE AN APPLICANT IS APPROVED BY THEBOARD, THEY ARE MATCHED WITH A SUPPORT PARTNER. THIS PARTNER MENTORSTHEM THROUGH THE PROCESS OF HOMEOWNERSHIP AND THE COMPLETION OF THEIRBUILD. WHILE BEING A PARTNER FAMILY CAN TAKE 12-18 MONTHS, THEY ATTENDA MONTHLY HOMEOWNERSHIP EDUCATION CLASS. REQUIRED CLASSES INCLUDEPERSONAL FINANCE, CITY CODES, MORTGAGE CLOSING DOCUMENTS, HOUSEHOLDMAINTENANCE, HOMEOWNER INSURANCE, AND WILLS AND TRUSTS. THESE COURSESARE HELD AT THE HABITAT OFFICE CONFERENCE ROOM ONCE A MONTH AT NO COSTTO THE 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 (2024)

Revenue Breakdown

Contributions & Grants $383,269

Program Service Revenue $839,215

Investment Income $81

Other Revenue $65,373

TOTAL REVENUE $1,287,938

Expense Breakdown

Grants Paid $0

Salaries & Benefits $348,582

Fundraising Expenses $57,369

Program Expenses $1,217,854

Other Expenses $1,022,848

TOTAL EXPENSES $1,371,430

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,287,938	$2,248,172	-0.4%
Expenses	$1,371,430	$2,496,853	-0.5%
Net Income	$-83,492	$-248,681	-0.7%

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

350

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY SCHANTZ	President	2.00	Officer Director	$0	$0	$0
ALDEN HENRICKSON	Treasurer	2.00	Officer Director	$0	$0	$0
MICHELLE BRENT	Director	2.00	Director	$0	$0	$0
GORDON DEBROECK	Director	2.00	Director	$0	$0	$0
JUSTIN BOLTEN	Director	2.00	Director	$0	$0	$0
GAYLIN CARVER	Director	2.00	Director	$0	$0	$0
CHRISTINE GARDNER	Director	2.00	Director	$0	$0	$0
CONNIE CUNNINGHAM	Director	2.00	Director	$0	$0	$0
JAMIE HOWARD	Director	2.00	Director	$0	$0	$0
KIM STOCKSTILL	Director	2.00	Director	$0	$0	$0
CHRISTA JOHNSTON	Secretary	2.00	Officer Director	$0	$0	$0
JOHN MADRAS	Vice President	2.00	Officer Director	$0	$0	$0
JOSE RAMOS	Director	2.00	Director	$0	$0	$0
BERNARD THOMPSON	Director	2.00	Director	$0	$0	$0
TREAKA YOUNG	Director	2.00	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	$1,287,938	$1,371,430	$3,088,622	$-83,492
2024	$2,248,172	$2,496,853	$3,110,728	$-248,681
2023	$1,634,009	$1,596,354	$3,360,303	$37,655
2022	$1,517,988	$1,507,787	$3,356,387	$10,201
2021	$1,569,060	$1,414,679	$3,323,443	$154,381
2018	$1,038,890	$1,015,430	$2,763,425	$23,460