HABITAT FOR HUMANITY OF SCOTLAND COUNTY INC (EIN 561766917) - 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

1991

Legal Domicile

Phone

9102763337

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF SCOTLAND COUNTY INC, founded in 1991, is a small nonprofit that reported $600K in total revenue in fiscal year 2023. Expenses of $785K exceeded revenue, resulting in a 31% operating deficit.

Mission

TO PROVIDE DECENT AND AFFORDABLE HOUSING IN PARTNERSHIP WITH FAMILIES IN NEED IN SCOTLAND COUNTY.

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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 $142,678

Program Service Revenue $454,485

Investment Income $-1,600

Other Revenue $4,268

TOTAL REVENUE $599,831

Expense Breakdown

Grants Paid $0

Salaries & Benefits $291,130

Fundraising Expenses $3,870

Program Expenses $679,919

Other Expenses $494,276

TOTAL EXPENSES $785,406

Year-over-Year Comparison

	2023	2022	Change
Revenue	$599,831	$621,987	0.0%
Expenses	$785,406	$500,840	+0.6%
Net Income	$-185,575	$121,147	-2.5%

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

286

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

$57,628

Total Directors

$57,628

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS CARPENTER	Executive Dir.	40.00	Officer Director	$57,628	$0	$57,628
SANDY CALLAN	Director	1.00	Director	$0	$0	$0
JOSEPH BOWEN	Director	1.00	Director	$0	$0	$0
LUCIEN ST ONGE	Director	1.00	Director	$0	$0	$0
AMANDA JOHN	Director	1.00	Director	$0	$0	$0
DONNA BETHEA	Director	1.00	Director	$0	$0	$0
MEG JERNIGAN	Director	1.00	Director	$0	$0	$0
VICKY MONTE	Treasurer	1.00	Officer	$0	$0	$0
TERRANCE DOLLARD	Vice President	1.00	Officer	$0	$0	$0
RODNEY HASSLER	Secretary	2.00	Officer	$0	$0	$0
MATT SESSIONS	President	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	No data	No data	No data	No data
2024	$599,831	$785,406	$1,086,174	$-185,575
2023	$621,987	$500,840	$1,326,897	$121,147
2022	$661,155	$757,457	$1,224,934	$-96,302
2021	$554,705	$571,112	$1,377,908	$-16,407
2020	$1,224,533	$1,373,260	$1,441,312	$-148,727
2019	$624,639	$632,564	$1,589,580	$-7,925

HABITAT FOR HUMANITY OF SCOTLAND COUNTY INC