Habitat For Humanity International (EIN 450407344) - 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

1987

Legal Domicile

Principal Officer

Mike Sullivan

Phone

7017724418

Tax Period

2024-07-01 to 2025-06-30

Habitat For Humanity International, founded in 1987, is a micro nonprofit that reported $69K in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $106K exceeded revenue, resulting in a 53% operating deficit.

Mission

Building homes for below poverty level individuals

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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 $30,595

Program Service Revenue $0

Investment Income $38,651

Other Revenue $0

TOTAL REVENUE $69,246

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,407

Fundraising Expenses $983

Program Expenses $53,198

Other Expenses $57,521

TOTAL EXPENSES $105,928

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69,246	$54,687	+0.3%
Expenses	$105,928	$104,483	+0.0%
Net Income	$-36,682	$-49,796	-0.3%

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

N/A

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

$16,549

Total Directors

$16,549

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Julie Kosmatka	Executive Dir.	28.00	Officer Director	$16,549	$0	$16,549
Marisa Sauceda	Executive Director	20.00		$8,091	$0	$8,091
Trent Berg	President	5.00	Officer	$0	$0	$0
Mike Sullivan	Vice President	5.00	Officer	$0	$0	$0
Sherry Levenseller	Treasurer	5.00	Officer	$0	$0	$0
Olivea Sehrt	Secretary	5.00	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	$69,246	$105,928	$1,265,510	$-36,682
2024	$54,687	$104,483	$1,293,579	$-49,796
2023	$83,360	$104,358	$1,516,371	$-20,998
2022	$45,112	$105,203	$1,537,917	$-60,091
2021	$159,517	$78,468	$1,595,843	$81,049
2020	$255,388	$75,282	$1,514,815	$180,106
2019	$4,082	$63,589	$1,333,288	$-59,507
2018	$44,412	$65,002	$1,392,472	$-20,590

Habitat For Humanity International