HABITAT FOR HUMANITY OF CARROLL CO… - Form 990 Financial Data

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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

2002

Legal Domicile

Principal Officer

KATE DEMAREST

Phone

4107517722

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF CARROLL COUNTY INC, founded in 2002, is a community nonprofit in the Housing & Shelter sector that reported $2.6M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 38% operating margin.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY OF CARROLL COUNTY, INC. ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

Program Service Accomplishments

Program 1

Expenses: $207,136 Revenue: $0

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER...

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING THE YEAR ENDED JUNE 30, 2025, HABITAT FOR HUMANITY OF CARROLL COUNTY SERVED A TOTAL OF TEN FAMILIES.

Program 2

Expenses: $35,689 Revenue: $3,962

CRITICAL HOME REPAIR PROGRAM: OUR CRITICAL HOME REPAIR PROGRAM IS AN OUTREACH INITIATIVE THAT SEEKS TO PROVIDE A WIDE RANGE OF OPPORTUNITIES FOR LOW-TO-MODERATE-INCOME HOMEOWNERS, INCLUDING VETERANS AND SENIORS, WHO ARE STRUGGLING TO MAINTAIN THEIR HOMES BECAUSE OF AGE, DISABILITY OR FAMILY CIRCUMSTANCES. WE PARTNER WITH FAMILIES TO HELP THEM RECLAIM THEIR HOMES WITH PRIDE AND DIGNITY. THE PROGRAM ALLOWS FAMILIES TO STAY IN THEIR HOME AND AVOID THE UNCERTAINTY, TRAUMA AND EXPENSE OF MOVING. PROJECTS CONSIST OF INTERIOR AND/OR EXTERIOR REPAIRS INTENDED TO ALLEVIATE CRITICAL HEALTH, LIFE AND SAFETY ISSUES OR CODE VIOLATIONS. VOLUNTEER TEAMS WORK ALONG WITH SUBCONTRACTORS UNDER THE DIRECTION OF HABITAT FOR HUMANITY OF CARROLL COUNTY STAFF MEMBERS TO COMPLETE THE REPAIRS. DURING THE YEAR ENDED JUNE 30, 2025 HABITAT FOR HUMANITY OF CARROLL COUNTY SERVED FOUR HOMEOWNERS.

Program 3

Expenses: $1,129,719 Revenue: $590,574

RESTORE: HOME IMPROVEMENT STORE AND DONATION CENTER THAT SELLS NEW AND GENTLY USED FURNITURE, APPLIANCES, HOME ACCESSORIES, BUILDING MATERIALS, AND MORE TO THE PUBLIC AT A FRACTION OF THE RETAIL...

RESTORE: HOME IMPROVEMENT STORE AND DONATION CENTER THAT SELLS NEW AND GENTLY USED FURNITURE, APPLIANCES, HOME ACCESSORIES, BUILDING MATERIALS, AND MORE TO THE PUBLIC AT A FRACTION OF THE RETAIL PRICE. PROCEEDS FROM THE STORE WILL BE USED TO HELP BUILD STRENGTH, STABILITY, SELF-RELIANCE AND SHELTER IN CARROLL COUNTY.

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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 $1,899,727

Program Service Revenue $712,314

Investment Income $2,380

Other Revenue $15,492

TOTAL REVENUE $2,629,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $598,360

Fundraising Expenses $112,785

Program Expenses $1,381,129

Other Expenses $1,019,197

TOTAL EXPENSES $1,617,557

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,629,913	$1,898,396	+0.4%
Expenses	$1,617,557	$1,917,396	-0.2%
Net Income	$1,012,356	$-19,000	-54.3%

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

Employees

Volunteers

360

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

$92,977

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATE DEMAREST	PRESIDENT	6.00	Officer Director	$0	$0	$0
DAVE BOND	VICE PRESIDENT	6.00	Officer Director	$0	$0	$0
FRANK SEVERA	TREASURER	6.00	Officer Director	$0	$0	$0
ERIN BENEVENTO	SECRETARY	6.00	Officer Director	$0	$0	$0
TONY ACAMPA	BOARD MEMBER	4.00	Director	$0	$0	$0
TONYA BOCZEK	BOARD MEMBER	4.00	Director	$0	$0	$0
ANGELA CURRIE	BOARD MEMBER	4.00	Director	$0	$0	$0
MATTI FRANZEN	BOARD MEMBER	4.00	Director	$0	$0	$0
JOSE FLORES	BOARD MEMBER	4.00	Director	$0	$0	$0
CRIS FRIGM	BOARDMEMBER	4.00	Director	$0	$0	$0
JENNY GRAYBILL	BOARD MEMBER	4.00	Director	$0	$0	$0
KEVIN LEWIS	BOARD MEMBER	4.00	Director	$0	$0	$0
CECIL PERSAUD	BOARD MEMBER	4.00	Director	$0	$0	$0
DAVE RAMPOLLA	BOARD MEMBER	4.00	Director	$0	$0	$0
BEN ROGERS	BOARD MEMBER	4.00	Director	$0	$0	$0
SHARON TILLMAN	BOARD MEMBER	4.00	Director	$0	$0	$0
BRENT WHALEN	BOARD MEMBER	4.00	Director	$0	$0	$0
TRISH WHELAN	BOARD MEMBER	4.00	Director	$0	$0	$0
SCOTT SWARTZ	EXECUTIVE DIRECTOR	40.00	Officer	$77,175	$15,802	$92,977

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	$2,629,913	$1,617,557	$2,364,348	$1,012,356
2024	$1,898,396	$1,917,396	$1,361,946	$-19,000
2023	$2,035,628	$2,108,881	$1,512,337	$-73,253
2022	$832,032	$840,181	$969,314	$-8,149
2021	$617,008	$573,688	$1,022,567	$43,320
2020	$377,193	$542,968	$824,036	$-165,775
2019	$423,683	$462,458	$929,951	$-38,775

HABITAT FOR HUMANITY OF CARROLL COUNTY INC