HABITAT FOR HUMANITY OF ST CHARLES COUNTY (EIN 431798488) - 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

1997

Legal Domicile

Principal Officer

MICHELLE WOODS

Phone

6369785712

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF ST CHARLES COUNTY, founded in 1997, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $1.9M exceeded revenue, resulting in a 17% operating deficit.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY OF ST. CHARLES COUNTY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE.

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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 $640,942

Program Service Revenue $343,425

Investment Income $3,759

Other Revenue $652,995

TOTAL REVENUE $1,641,121

Expense Breakdown

Grants Paid $9,050

Salaries & Benefits $600,490

Fundraising Expenses $166,163

Program Expenses $1,544,619

Other Expenses $1,303,468

TOTAL EXPENSES $1,913,008

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,641,121	$2,220,521	-0.3%
Expenses	$1,913,008	$2,287,789	-0.2%
Net Income	$-271,887	$-67,268	+3.0%

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

824

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

$84,858

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE FRICKE	PRESIDENT	1.00	Officer Director	$0	$0	$0
SANDRA MERANDA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KRIS WEIDENBENNER	TREASURER	1.00	Officer Director	$0	$0	$0
CHRIS HOFFMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
RICK HYDE	PAST PRESIDENT	1.00	Director	$0	$0	$0
KRISTEN BUCKINGHAM	DIRECTOR	1.00	Director	$0	$0	$0
BRANDY DUDENHOEFFER	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD PALMER	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SIMMONS	DIRECTOR	1.00	Director	$0	$0	$0
JOANNE SWEET	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN BOWEN	DIRECTOR	1.00	Director	$0	$0	$0
KATE FLETT	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT CHARTRAND	DIRECTOR	1.00	Director	$0	$0	$0
SHARON BARNES	DIRECTOR	1.00	Director	$0	$0	$0
RICK FOWLER	DIRECTOR	1.00	Director	$0	$0	$0
LORI KEHOE	DIRECTOR	1.00	Director	$0	$0	$0
TONY KERR	DIRECTOR	1.00	Director	$0	$0	$0
LINDA POTTER	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE WOODS	EXECUTIVE DIRECTOR	40.00	Officer	$83,544	$1,314	$84,858
STEFANI DRURY	DIRECTOR OF FINANCE (BEG. 5/2024)	40.00	Officer	$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	$1,641,121	$1,913,008	$5,298,204	$-271,887
2024	No data	No data	No data	No data
2023	$2,220,521	$2,287,789	$4,349,171	$-67,268
2022	$2,145,437	$1,607,825	$3,222,263	$537,612
2021	$1,930,452	$1,842,387	$3,058,201	$88,065
2020	$1,571,122	$1,587,380	$2,867,046	$-16,258
2019	$1,896,577	$1,969,366	$2,898,922	$-72,789

HABITAT FOR HUMANITY OF ST CHARLES COUNTY