HABITAT FOR HUMANITY INTERNATIONAL INC (EIN 550701426) - 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

1990

Legal Domicile

Principal Officer

ELAINE MCVAY

Phone

3042920914

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY INTERNATIONAL INC, founded in 1990, is a small nonprofit that reported $396K in total revenue in fiscal year 2024. Revenue fell 60% from the prior year — a significant decline worth monitoring. Expenses of $362K left a modest 9% surplus.

Mission

TO ELIMINATE POVERTY, HOUSING AND HOMELESSNESS FROM THE FACE OF THE EARTH BY CONSTRUCTING AND BUILDING ADEQUATE AND BASIC HOUSING.

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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 $258,604

Program Service Revenue $17,563

Investment Income $94,901

Other Revenue $25,127

TOTAL REVENUE $396,195

Expense Breakdown

Grants Paid $0

Salaries & Benefits $187,425

Fundraising Expenses $5,623

Program Expenses $334,341

Other Expenses $175,030

TOTAL EXPENSES $362,455

Year-over-Year Comparison

	2024	2023	Change
Revenue	$396,195	$1,001,473	-0.6%
Expenses	$362,455	$987,405	-0.6%
Net Income	$33,740	$14,068	+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
ELAINE MCVAY	EXECUTIVE DI	N/A	Officer	$0	$0	$0
GARY SMITH	PRESIDENT	N/A	Officer	$0	$0	$0
DOLORES JOHN	VICE PRESIDE	N/A	Officer	$0	$0	$0
BRETT MATAK	DIRECTOR	N/A	Director	$0	$0	$0
TINA NAYLOR	DIRECTOR	N/A	Director	$0	$0	$0
VICKI KERNS	DIRECTOR	N/A	Director	$0	$0	$0
SCOTT FREDERICK	DIRECTOR	N/A	Director	$0	$0	$0
SUZANNE BITONTI	DIRECTOR	N/A	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	$396,195	$362,455	$832,494	$33,740
2024	No data	No data	No data	No data
2023	$727,620	$676,576	$1,513,217	$51,044
2022	$489,891	$535,650	$1,015,103	$-45,759
2021	$1,183,538	$1,241,898	$797,524	$-58,360
2020	$1,076,314	$1,116,753	$1,236,075	$-40,439
2019	$1,184,166	$981,543	$944,912	$202,623
2018	$1,056,252	$1,189,010	$627,477	$-132,758

HABITAT FOR HUMANITY INTERNATIONAL INC