HABITAT FOR HUMANITY OF POPLAR BLUFF (EIN 431779407) - 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

Principal Officer

GENE COX

Phone

5737854441

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF POPLAR BLUFF is a micro nonprofit that reported $35K in total revenue in fiscal year 2024. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $159K exceeded revenue, resulting in a 352% operating deficit.

Mission

CONSTRUCTION OF RESIDENTIAL HOUSING FOR 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 (2024)

Revenue Breakdown

Contributions & Grants $21,992

Program Service Revenue $0

Investment Income $3

Other Revenue $13,217

TOTAL REVENUE $35,212

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $158,364

Other Expenses $159,289

TOTAL EXPENSES $159,289

Year-over-Year Comparison

	2024	2023	Change
Revenue	$35,212	$52,956	-0.3%
Expenses	$159,289	$8,077	+18.7%
Net Income	$-124,077	$44,879	-3.8%

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

N/A

Volunteers

N/A

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
BRENDA ALLEN	PRESIDENT	N/A	Officer Director	$0	$0	$0
CARRIE BOOKER	DIRECTOR	N/A	Officer Director	$0	$0	$0
GENE COX	TREASURER	N/A	Officer Director	$0	$0	$0
SHERRY WILSON	DIRECTOR	N/A	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
2025	$35,212	$159,289	$230,131	$-124,077
2024	$52,956	$8,077	$357,210	$44,879
2023	$940	$11,746	$311,545	$-10,806
2022	$1,921	$7,629	$320,933	$-5,708
2021	$10,487	$17,513	$326,838	$-7,026
2020	$173	$4,840	$334,216	$-4,667
2019	$1,329	$7,396	$338,074	$-6,067

HABITAT FOR HUMANITY OF POPLAR BLUFF