HABITAT FOR HUMANITY INTERNATIONAL

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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

1996

Legal Domicile

Tax Period

2022-07-01 to 2023-06-30

HABITAT FOR HUMANITY INTERNATIONAL, founded in 1996, is a small nonprofit that reported $187K in total revenue in fiscal year 2022. Revenue decreased 20% compared to the prior year. The organization ran a surplus of $81K, a strong 43% operating margin.

Mission

TO PROVIDE AFFORDBALE HOUSING TO LOW INCOME FAMILIES ALONG WITH ZERO INTEREST MORTGAGE

Program Service Accomplishments

Program 1

Expenses: $51,940

TO PROVIDE AFFORDABLE HOUSING TO LOW INCOME FAMILIES ALONG WITH ZERO INTEREST MORTGAGE LOANS

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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 $114,231

Program Service Revenue $0

Investment Income $25,154

Other Revenue $47,382

TOTAL REVENUE $186,767

Expense Breakdown

Grants Paid $0

Salaries & Benefits $41,879

Fundraising Expenses $0

Program Expenses $51,940

Other Expenses $63,827

TOTAL EXPENSES $105,706

Year-over-Year Comparison

	2022	2021	Change
Revenue	$186,767	$233,033	-0.2%
Expenses	$105,706	$102,080	+0.0%
Net Income	$81,061	$130,953	-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

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
DAVID COURTWAY	DIRECTOR	2.00	Director	$0	$0	$0
TERRI KREITLER	DIRECTOR	2.00	Director	$0	$0	$0
FRANK ONEIL	DIRECTOR	2.00	Director	$0	$0	$0
KEN CURFMAN	DIRECTOR	2.00	Director	$0	$0	$0
STANLEY SCHNAARE	DIRECTOR	2.00	Director	$0	$0	$0
DAVID CRUMP	PRESIDENT	10.00	Director	$0	$0	$0
JIM SIEBERT	DIRECTOR	2.00	Director	$0	$0	$0
SHERRIE FITE	DIRECTOR	2.00	Director	$0	$0	$0
RICH FERRELL	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
DEAN ESHELMAN	CAHPTER CHAIR	3.00	Officer Director	$0	$0	$0
ISAAC CRABTREE	TREASURER	2.00	Officer 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
2024	No data	No data	No data	No data
2023	$186,767	$105,706	$1,590,072	$81,061
2022	$233,033	$102,080	$1,517,591	$130,953
2022	$238,638	$102,496	$1,522,267	$136,142
2020	$163,929	$240,730	$1,301,552	$-76,801