HABITAT FOR HUMANITY OF NEW CASTLE COUNTY (EIN 510294138) - 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

1986

Legal Domicile

Principal Officer

KEVIN SMITH

Phone

3026520365

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF NEW CASTLE COUNTY, founded in 1986, is a mid-sized nonprofit that reported $10.0M in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum.

Mission

WE PUT GOD'S LOVE INTO ACTION BY BUILDING 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 (2024)

Revenue Breakdown

Contributions & Grants $7,201,732

Program Service Revenue $2,748,681

Investment Income $8,256

Other Revenue $66,508

TOTAL REVENUE $10,025,177

Expense Breakdown

Grants Paid $2,100,493

Salaries & Benefits $2,820,091

Fundraising Expenses $354,908

Program Expenses $9,321,183

Other Expenses $5,231,244

TOTAL EXPENSES $10,151,828

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,025,177	$7,778,697	+0.3%
Expenses	$10,151,828	$7,151,981	+0.4%
Net Income	$-126,651	$626,716	-1.2%

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

901

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

$164,174

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES GANDOLFO	TREASURER	4.00	Officer Director	$0	$0	$0
GEORGE BEER	MEMBER	2.00	Director	$0	$0	$0
WILLIAM J GRASSO III	MEMBER	2.00	Director	$0	$0	$0
SCHLONN HAWKINS	MEMBER	2.00	Director	$0	$0	$0
RHONDA STANFORD	MEMBER	2.00	Director	$0	$0	$0
JOHN KRUKIEL	MEMBER	2.00	Director	$0	$0	$0
ALEJANDRO RUIZ-ESQUIDE	MEMBER	2.00	Director	$0	$0	$0
DENNIS SALTER	MEMBER	2.00	Director	$0	$0	$0
DIONNA SARGENT	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
PAMELA SCOTT ESQ	MEMBER	2.00	Director	$0	$0	$0
NOREEN POOLE	MEMBER	2.00	Director	$0	$0	$0
JASON PATTON	PRESIDENT	4.00	Officer Director	$0	$0	$0
VERNITA DORSEY	SECRETARY	4.00	Officer Director	$0	$0	$0
MATHEW NINAN	MEMBER	2.00	Director	$0	$0	$0
STARR WILSON	MEMBER	2.00	Director	$0	$0	$0
JOEL AMIN JR	MEMBER	2.00	Director	$0	$0	$0
MONICA ROBINSON	MEMBER	2.00	Director	$0	$0	$0
JOSEPH J WALTERS	MEMBER	2.00	Director	$0	$0	$0
KEVIN SMITH	CHIEF EXECUTIVE OFFICER	40.00	Officer	$146,581	$17,593	$164,174
STEPHANIE PETERSEN	DIRECTOR OF CONSTRUCTION	40.00	Highest	$111,120	$16,800	$127,920
KATHERINE BARBER	DIRECTOR OF DEVELOPMENT	40.00	Highest	$103,484	$13,747	$117,231

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	$10,025,177	$10,151,828	$14,591,266	$-126,651
2024	$7,778,697	$7,151,981	$13,150,393	$626,716
2023	$8,849,034	$7,789,613	$12,027,360	$1,059,421
2022	$7,048,193	$7,437,660	$10,048,891	$-389,467
2021	$5,438,096	$3,429,507	$10,716,665	$2,008,589
2020	$5,550,683	$5,077,617	$8,643,244	$473,066
2019	$3,668,139	$3,605,735	$7,840,437	$62,404
2018	$4,611,173	$4,274,752	$7,839,267	$336,421

HABITAT FOR HUMANITY OF NEW CASTLE COUNTY