Crystal Coast Habitat for Humanity (EIN 561657193) - 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

1988

Legal Domicile

Principal Officer

Tammy Blizzard

Phone

2522232111

Tax Period

2023-07-01 to 2024-06-30

Crystal Coast Habitat for Humanity, founded in 1988, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue surged 54% from the prior year, signaling strong growth momentum. Expenses of $1.4M left a modest 8% surplus.

Mission

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

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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 (2023)

Revenue Breakdown

Contributions & Grants $832,711

Program Service Revenue $687,070

Investment Income $50

Other Revenue $43,812

TOTAL REVENUE $1,563,643

Expense Breakdown

Grants Paid $0

Salaries & Benefits $430,671

Fundraising Expenses $64,731

Program Expenses $1,241,518

Other Expenses $1,013,952

TOTAL EXPENSES $1,444,623

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,563,643	$1,015,269	+0.5%
Expenses	$1,444,623	$980,022	+0.5%
Net Income	$119,020	$35,247	+2.4%

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

265

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

$58,698

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tammy Blizzard	Executive Director	040.00	Officer	$58,698	$0	$58,698
Bradley Schulz	Chair	002.00	Officer Director	$0	$0	$0
Kim Oliver-Kingrey	Vice Chair	002.00	Officer Director	$0	$0	$0
Amy Hargreaves	Secretary	002.00	Officer Director	$0	$0	$0
Tony Engrassia	Treasurer	002.00	Officer Director	$0	$0	$0
Kurt Rogerson	Board Member	001.00	Director	$0	$0	$0
Greg Sanders	Board Member	001.00	Director	$0	$0	$0
Kortesha George	Board Member	001.00	Director	$0	$0	$0
Earl Bunting	Board Member	001.00	Director	$0	$0	$0
Pete Ellis Jr	Board Member	001.00	Director	$0	$0	$0
Joshua Rye	Board Member	001.00	Director	$0	$0	$0
Anita Moreau	Board Member	001.00	Director	$0	$0	$0
Steve Vogios	Board Member	001.00	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	No data	No data	No data	No data
2024	$1,563,643	$1,444,623	$3,815,347	$119,020
2023	$1,015,269	$980,022	$3,016,716	$35,247
2022	$933,076	$922,219	$3,056,862	$10,857
2021	$1,023,128	$715,616	$3,155,895	$307,512
2020	$833,551	$741,664	$2,986,839	$91,887
2018	$950,195	$752,121	$2,792,539	$198,074

Crystal Coast Habitat for Humanity