HABITAT FOR HUMANITY INTERNATIONAL INC (EIN 561677014) - 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

Owen Feryl Masters

Phone

2529447608

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY INTERNATIONAL INC, founded in 1989, is a micro nonprofit that reported $24K in total revenue in fiscal year 2024. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $54K exceeded revenue, resulting in a 124% operating deficit.

Mission

To provide affordable housing for families who could not otherwise afford it

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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 $19,498

Program Service Revenue $0

Investment Income $4,498

Other Revenue $0

TOTAL REVENUE $23,996

Expense Breakdown

Grants Paid $300

Salaries & Benefits $0

Fundraising Expenses $1,549

Program Expenses $44,888

Other Expenses $53,380

TOTAL EXPENSES $53,680

Year-over-Year Comparison

	2024	2023	Change
Revenue	$23,996	$46,949	-0.5%
Expenses	$53,680	$15,344	+2.5%
Net Income	$-29,684	$31,605	-1.9%

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

N/A

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
Rudy Burns	Board Member	1	Director	$0	$0	$0
Greg May	Board Member	1	Director	$0	$0	$0
Amy Howard	Board Member	1	Director	$0	$0	$0
Teresa Whitney	Board Member	3	Director	$0	$0	$0
Owen Feryl Masters	President	8	Officer Director	$0	$0	$0
Tom Molon	Treasurer	3	Officer Director	$0	$0	$0
Nancy Colleary	Secretary	1	Officer Director	$0	$0	$0
Rich Neubert	Board Member	2	Director	$0	$0	$0
Vanessia Credle	Board Member	0	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	$23,996	$53,680	$595,272	$-29,684
2024	$46,949	$15,344	$579,346	$31,605
2023	$22,585	$18,285	$554,872	$4,300
2022	$26,428	$60,629	$614,717	$-34,201
2021	$17,490	$7,739	$554,638	$9,751

HABITAT FOR HUMANITY INTERNATIONAL INC