HABITAT FOR HUMANITY OF THE CHESAPEAKE INC (EIN 521226188) - 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

1982

Legal Domicile

Principal Officer

CANDICE VAN SCOY

Phone

4103661250

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF THE CHESAPEAKE INC, founded in 1982, is a mid-sized nonprofit in the Housing & Shelter sector that reported $12.1M in total revenue in fiscal year 2024. Expenses of $13.4M exceeded revenue, resulting in a 11% operating deficit.

Mission

HABITAT FOR HUMANITY 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 (2024)

Revenue Breakdown

Contributions & Grants $4,748,726

Program Service Revenue $2,599,803

Investment Income $158,305

Other Revenue $4,546,512

TOTAL REVENUE $12,053,346

Expense Breakdown

Grants Paid $25,000

Salaries & Benefits $4,653,864

Fundraising Expenses $1,363,708

Program Expenses $10,668,768

Other Expenses $8,725,495

TOTAL EXPENSES $13,404,359

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,053,346	$11,322,319	+0.1%
Expenses	$13,404,359	$12,105,197	+0.1%
Net Income	$-1,351,013	$-782,878	+0.7%

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

114

Volunteers

2199

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

$398,283

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN BOND	CHAIR	1.00	Officer Director	$0	$0	$0
BRYAN PORTER	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
JOSH ROLLINS	TREASURER	1.00	Officer Director	$0	$0	$0
KEVIN CARTER	SECRETARY	1.00	Officer Director	$0	$0	$0
IAN BROADIE	DIRECTOR	1.00	Director	$0	$0	$0
JAKE FIELEK	DIRECTOR (PART YEAR)	1.00	Director	$0	$0	$0
KAREN FORBES	DIRECTOR (PART YEAR)	1.00	Director	$0	$0	$0
JIM GOODRICH	DIRECTOR	1.00	Director	$0	$0	$0
MARK HEIRD	DIRECTOR	1.00	Director	$0	$0	$0
STEVE HULSE	DIRECTOR	1.00	Director	$0	$0	$0
SEEMA IYER	DIRECTOR	1.00	Director	$0	$0	$0
JOHNDRE JENNINGS	DIRECTOR (PART YEAR)	1.00	Director	$0	$0	$0
KIMBERLY ORANGE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID RALPH	DIRECTOR	1.00	Director	$0	$0	$0
OWEN ROUSE	DIRECTOR	1.00	Director	$0	$0	$0
ZACK SHANKMAN	DIRECTOR	1.00	Director	$0	$0	$0
PEGEEN TOWNSEND	DIRECTOR (PART YEAR)	1.00	Director	$0	$0	$0
SCOTT WINGRAT	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL POSKO	CHIEF EXECUTIVE OFFICER	40.00	Officer	$185,502	$32,260	$217,762
CANDICE VAN SCOY	CHIEF FINANCIAL OFFICER	40.00	Officer	$164,041	$16,480	$180,521
STEPHEN BOLTON	CHIEF OPERATING OFFICER	40.00	Highest	$141,397	$10,915	$152,312
LEILA KOHLER-FRUEH	VP HOMEOWNER SVC. & COMM. ENGAGEMENT	40.00	Highest	$102,488	$6,929	$109,417
DAVID MILLER	CHIEF OPERATING OFFICER, FORMER DIR.	40.00		$51,431	$1,637	$53,068

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	$12,053,346	$13,404,359	$24,981,106	$-1,351,013
2024	$11,322,319	$12,105,197	$23,696,255	$-782,878
2023	$9,552,156	$10,232,182	$25,759,576	$-680,026
2022	$8,169,233	$9,322,500	$24,324,066	$-1,153,267
2021	$10,313,926	$9,475,995	$27,678,561	$837,931
2020	$13,602,076	$9,508,922	$27,708,609	$4,093,154
2019	$10,769,506	$10,554,158	$30,357,465	$215,348
2018	$9,456,464	$9,303,130	$31,054,057	$153,334

HABITAT FOR HUMANITY OF THE CHESAPEAKE INC