HABITAT FOR HUMANITY SUSQUEHANNA INC (EIN 521848933) - 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

1993

Legal Domicile

Principal Officer

YVONNE L GOLCZEWSKI

Phone

4106384434

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY SUSQUEHANNA INC, founded in 1993, is a community nonprofit that reported $5.3M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

AS A REFLECTION OF GOD'S LOVE, HABITAT FOR HUMANITY SUSQUEHANNA CREATES AFFORDABLE HOUSING OPPORTUNITIES THROUGHOUT HARFORD AND CECIL COUNTIES BY BUILDING, RENOVATING, AND REPAIRING HOMES IN PARTNERSHIP WITH THE COMMUNITY.

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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 $2,835,569

Program Service Revenue $2,189,082

Investment Income $130,584

Other Revenue $157,861

TOTAL REVENUE $5,313,096

Expense Breakdown

Grants Paid $51,917

Salaries & Benefits $1,732,971

Fundraising Expenses $441,454

Program Expenses $4,434,898

Other Expenses $3,417,325

TOTAL EXPENSES $5,202,213

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,313,096	$4,899,769	+0.1%
Expenses	$5,202,213	$4,869,725	+0.1%
Net Income	$110,883	$30,044	+2.7%

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

Volunteers

1215

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

$179,939

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
YVONNE L GOLCZEWSKI	Executive Dir.	40.00	Officer	$85,560	$6,401	$91,961
JOHN BATTISTA	CFO	40.00	Officer	$70,978	$17,000	$87,978
BEN GRAHAM	President	3.00	Officer Director	$0	$0	$0
RYAN ALBAN	Vice President	3.00	Officer Director	$0	$0	$0
JOHN SHROADS	Treasurer	3.00	Officer Director	$0	$0	$0
JUEL CAPELLAN	Secretary	3.00	Officer Director	$0	$0	$0
ANTHONY JONES	Director	1.00	Director	$0	$0	$0
MARILYN RAWLS	Director	1.00	Director	$0	$0	$0
DAN SANBORN	Director	1.00	Director	$0	$0	$0
DAVE GUTTMAN	Director	1.00	Director	$0	$0	$0
LARRY BURLEY JR	Director	1.00	Director	$0	$0	$0
CANDY GREENLEAF	Director	1.00	Director	$0	$0	$0
TAMARA GREGORY	Director	1.00	Director	$0	$0	$0
RHONDA BAKER	Director	1.00	Director	$0	$0	$0
KIMBERLY BEAZLEY	Director	1.00	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
2025	$5,313,096	$5,202,213	$10,219,199	$110,883
2024	$4,899,769	$4,869,725	$9,892,435	$30,044
2023	$4,509,782	$5,341,919	$9,874,523	$-832,137
2022	$6,976,744	$3,693,190	$9,743,871	$3,283,554
2021	$4,191,802	$3,986,150	$6,543,904	$205,652
2020	$3,615,055	$3,329,409	$6,768,062	$285,646
2018	$3,541,071	$3,702,081	$6,752,908	$-161,010

HABITAT FOR HUMANITY SUSQUEHANNA INC