HABITAT FOR HUMANITY MIDDLESEX 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

2000

Legal Domicile

Principal Officer

JANET RIGGS

Phone

7579038587

Tax Period

2025-01-01 to 2025-12-31

HABITAT FOR HUMANITY MIDDLESEX INC, founded in 2000, is a small nonprofit in the Housing & Shelter sector that reported $103K in total revenue in fiscal year 2025. Revenue fell 28% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $68K, a strong 67% operating margin.

Mission

BUILD AFFORDABLE HOUSING FOR LOW WAGE EARNER FAMILIES OF MIDDLESEX COUNTY, VIRGINIA.

Program Service Accomplishments

Program 1

Expenses: $32,189 Revenue: $200

BUILD AFFORDABLE 1,200 TO 1,400 SQUARE FOOT HOMES FOR LOW INCOME FAMILIES AND FINANCE THE HOME WITH AN INTEREST FREE 30 YEAR MORTGAGE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $97,305

Program Service Revenue $200

Investment Income $5,456

Other Revenue $0

TOTAL REVENUE $102,961

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,899

Program Expenses $32,189

Other Expenses $34,469

TOTAL EXPENSES $34,469

Year-over-Year Comparison

	2025	2024	Change
Revenue	$102,961	$143,233	-0.3%
Expenses	$34,469	$31,915	+0.1%
Net Income	$68,492	$111,318	-0.4%

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

N/A

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
GREG CHAMBERS	DIRECTOR	2.00	Officer Director	$0	$0	$0
JAMIE CORNETTE	VICE PRESIDE	1.00	Director	$0	$0	$0
PAGE EDWARDS	DIRECTOR	N/A	Officer Director	$0	$0	$0
MIKE MCCLELLAN	DIRECTOR	1.00	Director	$0	$0	$0
TONY PULLMAN	DIRECTOR	1.00	Director	$0	$0	$0
JANET RIGGS	TREASURER	25.00	Officer Director	$0	$0	$0
SHELLEY RITTER	DIRECTOR	1.00	Director	$0	$0	$0
TYRELL SHEPPARD	DIRECTOR	1.00	Director	$0	$0	$0
JEVI TERRELL	DIRECTOR	1.00	Director	$0	$0	$0
PAIGE WASLEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER WHITE	PRESIDENT/SE	5.00	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	$102,961	$34,469	$1,701,516	$68,492
2024	$143,233	$31,915	$1,633,090	$111,318
2023	$106,848	$28,489	$1,516,398	$78,359
2022	$119,673	$16,445	$1,194,484	$103,228
2021	$81,572	$11,545	$1,080,727	$70,027
2020	$67,451	$22,022	$938,013	$45,429