GARRETT COUNTY HABITAT FOR HUMANITY INC (EIN 521322233) - 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

1983

Legal Domicile

Principal Officer

STEVE BORTZ

Phone

3015330600

Tax Period

2024-01-01 to 2024-12-31

GARRETT COUNTY HABITAT FOR HUMANITY INC, founded in 1983, is a small nonprofit that reported $477K in total revenue in fiscal year 2024. Revenue surged 58% from the prior year, signaling strong growth momentum. The organization ran a surplus of $167K, a strong 35% operating margin.

Mission

TO PROVIDE FINANCIAL AND CONSTRUCTION ASSISTANCE TO LOW-INCOME INDIVIDUALS IN BUILDING SAFE AND ADEQUATE HOUSING.

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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 $67,138

Program Service Revenue $330,451

Investment Income $34,228

Other Revenue $45,034

TOTAL REVENUE $476,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $167,262

Fundraising Expenses $41,816

Program Expenses $234,063

Other Expenses $142,848

TOTAL EXPENSES $310,110

Year-over-Year Comparison

	2024	2023	Change
Revenue	$476,851	$301,557	+0.6%
Expenses	$310,110	$272,715	+0.1%
Net Income	$166,741	$28,842	+4.8%

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

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

$61,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE BORTZ	EXECUTIVE DI	40.00	Officer	$61,000	$0	$61,000
CHARLES BOYD	TREASURER	2.00	Officer Director	$0	$0	$0
CRYSTAL BRADY	BOARD MEMBER	2.00	Director	$0	$0	$0
TREVOR DEVORE	BOARD MEMBER	2.00	Director	$0	$0	$0
LINDA FIKE	BOARD MEMBER	2.00	Director	$0	$0	$0
BJ GALLAGHER	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVID JOCHYNEK	BOARD MEMBER	2.00	Director	$0	$0	$0
ROBIN MCGILL	BOARD MEMBER	2.00	Director	$0	$0	$0
CHARLIE NACE	BOARD MEMBER	2.00	Director	$0	$0	$0
PAM NELSON	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
JOSH SLONE	BOARD MEMBER	2.00	Director	$0	$0	$0
TONYA STURM	SECRETARY	2.00	Officer Director	$0	$0	$0
RON TRESSLER	PRESIDENT	2.00	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
2024	$476,851	$310,110	$2,450,452	$166,741
2023	$301,557	$272,715	$2,259,950	$28,842
2022	$482,867	$417,956	$2,213,196	$64,911
2021	$657,943	$324,565	$2,158,478	$333,378
2020	$449,618	$425,226	$1,859,295	$24,392
2019	$424,079	$422,223	$1,876,538	$1,856
2018	$421,169	$464,385	$1,880,927	$-43,216

GARRETT COUNTY HABITAT FOR HUMANITY INC