Henderson County & Thermal Belt Habitat for Humanity

EIN: 561642263 501(c)(3)

Hendersonville, NC

Total Revenue
$3,812,988
Total Expenses
$3,634,012
Total Assets
$12,426,706
Net Assets
$8,517,989
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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
1989
Legal Domicile
NC
Principal Officer
Roger Metcalf
Phone
8286940340
Tax Period
2024-07-01 to 2025-06-30

Henderson County & Thermal Belt Habitat for Humanity, founded in 1989, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $3.6M left a modest 5% surplus.

Mission

Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities and hope.

Program Service Accomplishments

Program 1
Expenses: $2,729,662 Revenue: $2,473,498

Building new homes and repairing homes for access, safety, and security.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,133,560
Program Service Revenue $2,085,778
Investment Income $177,701
Other Revenue $415,949
TOTAL REVENUE $3,812,988

Expense Breakdown

Grants Paid $58,849
Salaries & Benefits $1,472,935
Fundraising Expenses $303,943
Program Expenses $2,729,662
Other Expenses $2,102,228
TOTAL EXPENSES $3,634,012

Year-over-Year Comparison

2024 2023 Change
Revenue $3,812,988 $5,472,450 -0.3%
Expenses $3,634,012 $4,958,317 -0.3%
Net Income $178,976 $514,133 -0.7%
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

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Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
8
Independent Members
8
Employees
71
Volunteers
170

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
4
$169,479
Total Directors
8
$0
Key Employees
2
$169,479
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Linda Saturno President/CEO 40
Officer Key Emp Highest
$127,057 $14,680 $141,737
Roger Metcalf Chief Financial Officer 40
Officer Key Emp
$27,742 $0 $27,742
Jim White Chairman 5
Officer Director
$0 $0 $0
Dr Charles Duke Vice Chair 4
Officer Director
$0 $0 $0
Bill Sullivan Board Member 1
Director
$0 $0 $0
Nubia Guido Board Member 1
Director
$0 $0 $0
Caroline Eriksen Board Member 1
Director
$0 $0 $0
Tom Barfield Board Member 1
Director
$0 $0 $0
Gerry Rhoads Board Member 1
Director
$0 $0 $0
Karl Nurse Board Membr 1
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 $3,812,988 $3,634,012 $12,426,706 $178,976
2024 $5,472,450 $4,958,317 $16,373,738 $514,133
2024 $5,472,450 $6,973,816 $14,358,239 $-1,501,366
2023 $3,724,125 $3,025,125 $16,511,548 $699,000
2022 $3,907,722 $3,092,803 $13,333,656 $814,919
2021 $3,188,722 $2,895,461 $13,143,537 $293,261
2020 $2,540,655 $2,978,598 $13,219,253 $-437,943
2019 $4,274,909 $4,962,994 $13,454,693 $-688,085
2018 $3,547,835 $3,577,440 $13,687,359 $-29,605
2018 $3,616,345 $3,627,240 $13,700,012 $-10,895
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