HABITAT FOR HUMANITY INTERNATIONAL

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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

1996

Legal Domicile

Principal Officer

SANDRA BAXTER

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY INTERNATIONAL, founded in 1996, is a small nonprofit that reported $334K in total revenue in fiscal year 2024. Revenue surged 118% from the prior year, signaling strong growth momentum. The organization ran a surplus of $120K, a strong 36% operating margin.

Mission

THE ORGANIZATION'S MISSION IS TO WORK IN PARTNERSHIP TO CREATE STRONGER COMMUNITY IN OUR COUNTIES BY BUILDING SIMPLE, AFFORDABLE HOMES WITH 0% LOANS TO DESERVING FAMILIES, BREAKING THE CYCLE OF POVERTY AND BUILDING STRONGER FUTURES.

Program Service Accomplishments

Program 1

Expenses: $149,392

THE ORGANIZATION WORKS IN PARTNERSHIP WITH PEOPLE TO BUILD AFFORDABLE HOUSING IN LANCASTER AND NORTHUMBERLAND COUNTIES. THE HOUSES ARE THEN SOLD TO THE PARTNER FAMILIES AT NO PROFIT WITH NO INTEREST MORTGAGES. DIRECT PROGRAM EXPENSES (BUILDINGS) ARE REFLECTED ON THE BALANCE SHEET AS CONSTRUCTION IN PROGRESS. THEREFORE, PROGRAM EXPENSES FOR THE YEAR ONLY RELFECT INDIRECT EXPENSES.

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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 $330,975

Program Service Revenue $0

Investment Income $3,501

Other Revenue $0

TOTAL REVENUE $334,476

Expense Breakdown

Grants Paid $10,323

Salaries & Benefits $55,374

Fundraising Expenses $23,964

Program Expenses $149,392

Other Expenses $148,509

TOTAL EXPENSES $214,206

Year-over-Year Comparison

	2024	2023	Change
Revenue	$334,476	$153,559	+1.2%
Expenses	$214,206	$103,263	+1.1%
Net Income	$120,270	$50,296	+1.4%

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

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
SANDRA BAXTER	PRESIDENT	5.00	Officer Director	$0	$0	$0
DICK BENNETT	DIRECTOR	1.00	Director	$0	$0	$0
REV DONALD CONAWAY	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER DAMERSON	DIRECTOR	1.00	Director	$0	$0	$0
EDNA DAVENPORT	DIRECTOR	1.00	Director	$0	$0	$0
GRACIE DAVENPORT	TREASURER	5.00	Director	$0	$0	$0
JIM DULLEA	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA GARDINER	SECRETARY	5.00	Officer Director	$0	$0	$0
BILL HAGLAN	DIRECTOR	1.00	Director	$0	$0	$0
ALEX MASON	DIRECTOR	1.00	Director	$0	$0	$0
ALAN ROSS	DIRECTOR	1.00	Director	$0	$0	$0
LUCIA R SCHOELWER	DIRECTOR	1.00	Director	$0	$0	$0
ANNEMARIE WALSH	VICE PRESIDE	5.00	Director	$0	$0	$0
MASON WASHINGTON	DIRECTOR	1.00	Director	$0	$0	$0
LEROY WONSON	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	$334,476	$214,206	$1,186,704	$120,270
2024	$153,559	$103,263	$1,076,998	$50,296
2023	$178,322	$150,135	$1,026,533	$28,187
2022	$164,362	$49,826	$998,696	$114,536
2021	$76,568	$51,439	$890,415	$25,129
2020	$156,072	$67,437	$874,039	$88,635
2019	$72,582	$71,030	$1,193,336	$1,552