AMHERST CO HABITAT FOR HUMANITY INC

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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

1987

Legal Domicile

Tax Period

2022-07-01 to 2023-06-30

AMHERST CO HABITAT FOR HUMANITY INC, founded in 1987, is a small nonprofit in the Housing & Shelter sector that reported $324K in total revenue in fiscal year 2022. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $131K, a strong 41% operating margin.

Mission

PROVIDE AFFORDABLE HOUSING FOR LOW INCOME FAMILIES

Program Service Accomplishments

Program 1

Expenses: $119,962

TO BUILD AND TRANSFER HOUSES TO LOW INCOME FAMILIES UTILIZING NO-INTEREST MORTGAGES. DISASTER HOUSING RELIEF WAS PROVIDED FOR SEVERAL FAMILIES AND SEVERAL HOMES WERE REPAIRED AND REFURBISHED...

TO BUILD AND TRANSFER HOUSES TO LOW INCOME FAMILIES UTILIZING NO-INTEREST MORTGAGES. DISASTER HOUSING RELIEF WAS PROVIDED FOR SEVERAL FAMILIES AND SEVERAL HOMES WERE REPAIRED AND REFURBISHED. ADDITIONAL MONIES WEREDISTRIBUTED TO THE PARENT ORGANIZATION FOR THE SAME PURPOSES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $224,847

Program Service Revenue $56,580

Investment Income $1,881

Other Revenue $40,863

TOTAL REVENUE $324,171

Expense Breakdown

Grants Paid $0

Salaries & Benefits $122,399

Fundraising Expenses $26,583

Program Expenses $119,962

Other Expenses $70,357

TOTAL EXPENSES $192,756

Year-over-Year Comparison

	2022	2021	Change
Revenue	$324,171	$249,421	+0.3%
Expenses	$192,756	$273,830	-0.3%
Net Income	$131,415	$-24,409	-6.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID GARRISON	DIRECTOR	2.00	Director	$0	$0	$0
BRAD BARTH	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT CRANSTON	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM MCGINNIS	DIRECTOR	2.00	Director	$0	$0	$0
ROBIN DAVIES	DIRECTOR	2.00	Director	$0	$0	$0
TOM LOFTUS	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BATMAN	DIRECTOR	2.00	Director	$0	$0	$0
LEON PARRISH	DIRECTOR	2.00	Director	$0	$0	$0
TAMMY KNIGHT	DIRECTOR	2.00	Director	$0	$0	$0
DEBBIE HABEL	EXECUTIVE DIRECTOR	36.00	Director	$0	$0	$0
BARBARA TOWLER	PRESIDENT	3.00	Officer Director	$0	$0	$0
ANGELIA JOHNSON	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
MATTHEW COX	TREASURER	3.00	Officer Director	$0	$0	$0
NOEL DEPALMA	SECRETARY	3.00	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
2025	No data	No data	No data	No data
2023	$324,171	$192,756	$1,181,820	$131,415
2022	$249,421	$273,830	$1,050,400	$-24,409
2021	$177,772	$174,355	$1,073,761	$3,417
2020	$82,946	$67,040	$720,777	$15,906
2020	$315,693	$222,558	$1,067,201	$93,135
2019	$95,174	$94,254	$974,066	$920
2018	$244,788	$229,976	$923,039	$14,812
2018	$228,353	$163,434	$973,146	$64,919