HABITAT FOR HUMANITY OF CRAVEN COUNTY NC (EIN 561658230) - 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

1989

Legal Domicile

Principal Officer

ROSE MACNEAL

Phone

2526339599

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF CRAVEN COUNTY NC, founded in 1989, is a small nonprofit in the Housing & Shelter sector that reported $739K in total revenue in fiscal year 2023. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $881K exceeded revenue, resulting in a 19% operating deficit.

Mission

SEEKING TO PUT GODS LOVE INTO ACTION BY BRINGING 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 $312,251

Program Service Revenue $351,597

Investment Income $63,294

Other Revenue $11,632

TOTAL REVENUE $738,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $544,187

Fundraising Expenses $6,457

Program Expenses $592,280

Other Expenses $336,878

TOTAL EXPENSES $881,065

Year-over-Year Comparison

	2023	2022	Change
Revenue	$738,774	$970,273	-0.2%
Expenses	$881,065	$1,360,404	-0.4%
Net Income	$-142,291	$-390,131	-0.6%

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

587

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

$40,000

Total Directors

$40,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRACY LILLY	EXECUTIVE DI	40.00	Officer Director	$40,000	$0	$40,000
DEBRA BARBOUR	DIRECTOR	2.00	Director	$0	$0	$0
KEITH BOULWARE	DIRECTOR	2.00	Director	$0	$0	$0
FERN COTTON	DIRECTOR	2.00	Director	$0	$0	$0
CHARLES DUDLEY	DIRECTOR	2.00	Director	$0	$0	$0
THOMAS GREENER	DIRECTOR	2.00	Director	$0	$0	$0
SHEILA HENDERSON	DIRECTOR	2.00	Director	$0	$0	$0
LISA LLOYD	SECRETARY	2.00	Officer Director	$0	$0	$0
ROSE MACNEAL	BOARD PRESID	2.00	Officer Director	$0	$0	$0
CHIP PAYSON	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD PEEBLES	TREASURER	2.00	Officer Director	$0	$0	$0
YVONNE PETTUS	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER THORNBURG	DIRECTOR	2.00	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	$738,774	$881,065	$2,629,862	$-142,291
2024	$788,949	$796,353	$2,914,897	$-7,404
2023	$970,273	$1,360,404	$2,760,249	$-390,131
2022	$2,478,741	$1,350,115	$3,353,885	$1,128,626
2021	$1,149,766	$1,090,318	$2,081,313	$59,448
2020	$985,769	$995,545	$1,955,498	$-9,776

HABITAT FOR HUMANITY OF CRAVEN COUNTY NC