LAKE OF THE OZARKS HABITAT FOR HUM… - Form 990 Financial Data

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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

Principal Officer

GARY MITCHELL

Phone

5733171843

Tax Period

2023-07-01 to 2024-06-30

LAKE OF THE OZARKS HABITAT FOR HUMANITY, founded in 1996, is a small nonprofit that reported $329K in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Expenses of $476K exceeded revenue, resulting in a 45% operating deficit.

Mission

TO BRING FAMILIES, DONORS AND VOLUNTEERS TOGETHER TO BUILD DECENT AND AFFORDABLE HOMES WITHIN OUR COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $416,013

SINCE 1997, LAKE OF THE OZARKS HABITAT FOR HUMANITY HAS HELPED LOW-INCOME FAMILIES AND THOSE LIVING IN SUB-STANDARD HOUSING ACHIEVE THEIR DREAM OF HOME OWNERSHIP. UPON COMPLETION OF THEIR HOME AND...

SINCE 1997, LAKE OF THE OZARKS HABITAT FOR HUMANITY HAS HELPED LOW-INCOME FAMILIES AND THOSE LIVING IN SUB-STANDARD HOUSING ACHIEVE THEIR DREAM OF HOME OWNERSHIP. UPON COMPLETION OF THEIR HOME AND THE SWEAT EQUITY HOURS PROVIDED BY THE SELECTED FAMILY, THE FAMILY ENTERS INTO A NON-INTEREST BEARING MORTGAGE WITH US FOR A SPECIFIED NUMBER OF YEARS. SINCE 1997, 27 HOMES HAVE BEEN BUILT BY OUR LOCAL AFFILIATE.

Program 2

Expenses: $10,097

LAKE OF THE OZARKS HABITAT FOR HUMANITY TITHES 10% OF ALL MONEY RAISED FOR LOCAL HOUSES TO HABITAT INTERNATIONAL IN ORDER TO ASSIST IN ITS EFFORTS TO PROVIDE ADEQUATE HOUSING FOR ECONOMICALLY...

LAKE OF THE OZARKS HABITAT FOR HUMANITY TITHES 10% OF ALL MONEY RAISED FOR LOCAL HOUSES TO HABITAT INTERNATIONAL IN ORDER TO ASSIST IN ITS EFFORTS TO PROVIDE ADEQUATE HOUSING FOR ECONOMICALLY DISADVANTAGED FAMILIES AROUND THE WORLD. LAKE OF THE OZARKS HABITAT FOR HUMANITY'S TITHE IS DESIGNATED FOR THE GLOBAL MISSION FUND.

Program 3

LAKE OF THE OZARKS HABITAT FOR HUMANITY INDEPENDENTLY OWNS AND OPERATES A RESTORE IN CAMDENTON, MISSOURI. THE RESTORE ACCEPTS DONATIONS AND SELLS NEW AND GENTLY USED FURNITURE, APPLIANCES, HOME GOODS AND BUILDING MATERIALS TO THE PUBLIC AT A FRACTION OF THE RETAIL PRICE. PROCEEDS ARE USED TO HELP BUILD STRENGTH, STABILITY, SELF-RELIANCE AND SHELTER IN THE LOCAL COMMUNITY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $40,133

Program Service Revenue $265,294

Investment Income $18,912

Other Revenue $4,910

TOTAL REVENUE $329,249

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,105

Fundraising Expenses $0

Program Expenses $426,110

Other Expenses $371,280

TOTAL EXPENSES $476,385

Year-over-Year Comparison

	2023	2022	Change
Revenue	$329,249	$346,802	-0.1%
Expenses	$476,385	$193,002	+1.5%
Net Income	$-147,136	$153,800	-2.0%

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
MIKE MORLAN	Director	2.00	Director	$0	$0	$0
CHRISTY FERA	Director	2.00	Director	$0	$0	$0
CATHY SMILEY	Director	2.00	Director	$0	$0	$0
BEVERLY BLECK	Director	2.00	Director	$0	$0	$0
GARY MITCHELL	President	2.00	Officer Director	$0	$0	$0
ELAINE SCHUMACHER	Vice President	2.00	Officer Director	$0	$0	$0
KATHY HUBER	Treasurer	2.00	Officer Director	$0	$0	$0
NANCY ROGERS	Secretary	2.00	Officer Director	$0	$0	$0
MICHAEL WAGNER	Treasurer	2.00	Officer Director	$0	$0	$0
ANN WALKER	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	No data	No data	No data	No data
2024	$329,249	$476,385	$1,562,220	$-147,136
2023	$346,802	$193,002	$1,701,842	$153,800
2022	$246,314	$298,609	$1,544,441	$-52,295
2021	$304,389	$277,405	$1,593,070	$26,984
2020	$249,620	$300,982	$1,560,221	$-51,362
2019	$317,351	$234,112	$1,607,424	$83,239

LAKE OF THE OZARKS HABITAT FOR HUMANITY