STANLY COUNTY HABITAT FOR HUMANITY (EIN 561588971) - 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

1987

Legal Domicile

Principal Officer

CEMITA GIBBS

Phone

7049851051

Tax Period

2024-07-01 to 2025-06-30

STANLY COUNTY HABITAT FOR HUMANITY, founded in 1987, is a small nonprofit that reported $775K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $717K left a modest 7% surplus.

Mission

PROVIDE LOW-COST HOUSING TO QUALIFYING FAMILIES

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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 $230,303

Program Service Revenue $413,043

Investment Income $15,103

Other Revenue $116,320

TOTAL REVENUE $774,769

Expense Breakdown

Grants Paid $0

Salaries & Benefits $153,313

Fundraising Expenses $27,327

Program Expenses $619,477

Other Expenses $563,412

TOTAL EXPENSES $716,725

Year-over-Year Comparison

	2024	2023	Change
Revenue	$774,769	$1,091,588	-0.3%
Expenses	$716,725	$432,287	+0.7%
Net Income	$58,044	$659,301	-0.9%

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

191

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

$60,486

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB SWEET	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE LOWDER	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE CUMMING	TREASURER	1.00	Officer Director	$0	$0	$0
GAYLE RUSSELL	SECRETARY	1.00	Officer Director	$0	$0	$0
ANITA OWENS-SCOTT	ASSISTANT SECRETARY	1.00	Officer Director	$0	$0	$0
JIMMY BLAKE	DIRECTOR	1.00	Director	$0	$0	$0
KECIA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
TOMMY ROSS	DIRECTOR	1.00	Director	$0	$0	$0
LISA BURRIS	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT KIMREY	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH PEOPLES	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES SEIGHMAN	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT LOVIN	DIRECTOR	1.00	Director	$0	$0	$0
LARRY HATLEY	DIRECTOR	1.00	Director	$0	$0	$0
CEMITA GIBBS	EXECUTIVE DIRECTOR	40.00	Officer	$60,486	$0	$60,486

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	$774,769	$716,725	$2,598,647	$58,044
2024	$1,091,588	$432,287	$2,563,735	$659,301
2023	$548,370	$446,709	$1,956,115	$101,661
2022	$645,994	$622,216	$1,874,994	$23,778
2021	$476,732	$420,678	$1,875,166	$56,054
2020	$453,010	$455,843	$1,423,622	$-2,833
2019	$352,998	$236,377	$1,439,530	$116,621

STANLY COUNTY HABITAT FOR HUMANITY