Chatham Habitat for Humanity Inc (EIN 561689599) - 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

Tax Period

2024-07-01 to 2025-06-30

Chatham Habitat for Humanity Inc, founded in 1989, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $1.9M left a modest 14% surplus.

Mission

Create self-help opportunities for families to own affordable homes, improve their lives, and strength their communities.

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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 $519,865

Program Service Revenue $950,436

Investment Income $36,240

Other Revenue $727,319

TOTAL REVENUE $2,233,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,047,155

Fundraising Expenses $188,027

Program Expenses $1,331,654

Other Expenses $874,514

TOTAL EXPENSES $1,921,669

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,233,860	$3,027,963	-0.3%
Expenses	$1,921,669	$2,104,815	-0.1%
Net Income	$312,191	$923,148	-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

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

N/A

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

$34,520

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gerald K Whortan	Former President	40.00		$57,260	$0	$57,260
Anna Tuell	President	0.00	Key Emp	$34,520	$0	$34,520
Elizabeth Zeringue	Board Chair	1.00	Officer	$0	$0	$0
Mark Korell	Treasurer	1.00	Officer	$0	$0	$0
Stephanie Tindel	Secretary	1.00	Officer	$0	$0	$0
Steve Schaick	Vice Chair	1.00	Officer	$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	$2,233,860	$1,921,669	$7,105,987	$312,191
2024	$3,027,963	$2,104,815	$6,861,741	$923,148
2023	$2,385,973	$1,922,302	$5,992,472	$463,671
2022	$2,464,779	$1,999,528	$5,679,424	$465,251
2020	$1,759,254	$2,017,702	$5,348,137	$-258,448
2019	$2,279,000	$1,934,972	$5,541,511	$344,028

Chatham Habitat for Humanity Inc