CENTRAL SC HABITAT FOR HUMANITY (EIN 570785521) - 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

1984

Legal Domicile

Principal Officer

EMILY FERNALD

Phone

8032523570

Tax Period

2023-07-01 to 2024-06-30

CENTRAL SC HABITAT FOR HUMANITY, founded in 1984, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $718K, a strong 22% operating margin.

Mission

CONSTRUCTION OF HOMES FOR QUALIFYING LOW INCOME FAMILIES OR INDIVIDUALS

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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 $1,176,937

Program Service Revenue $1,550,315

Investment Income $586,624

Other Revenue $-13,078

TOTAL REVENUE $3,300,798

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,093,235

Fundraising Expenses $228,588

Program Expenses $1,990,409

Other Expenses $1,489,320

TOTAL EXPENSES $2,582,555

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,300,798	$2,424,026	+0.4%
Expenses	$2,582,555	$2,814,513	-0.1%
Net Income	$718,243	$-390,487	-2.8%

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

1427

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

$115,743

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUZANNE BROOKS	EXECUTIVE DI	40.00	Officer	$90,436	$2,754	$93,190
RYAN MADDOX	FINANCE DIRE	40.00	Officer	$21,923	$630	$22,553
DAVID PAAVOLA	PRESIDENT	1.00	Officer Director	$0	$0	$0
RODNEY CEPHAS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
WILLIAM JETER	TREASURER	1.00	Officer Director	$0	$0	$0
MICHELLE LONG	SECRETARY	1.00	Officer Director	$0	$0	$0
PATRICK CHAMBERS	BOARD MEMBER	1.00	Director	$0	$0	$0
AMANDA GROVER	BOARD MEMBER	1.00	Director	$0	$0	$0
SUE HADDOCK	BOARD MEMBER	1.00	Director	$0	$0	$0
TOM KUTYLA	BOARD MEMBER	N/A	Director	$0	$0	$0
DAWN LACROIX	BOARD MEMBER	1.00	Director	$0	$0	$0
TOM LEDBETTER	BOARD MEMBER	1.00	Director	$0	$0	$0
LAGENIA MCEACHIN- SESSION	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN MEYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
KELLUS SANCHEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
REV KENNETH TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
RON WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
TERRY WOLFER	BOARD MEMBER	1.00	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	$3,300,798	$2,582,555	$5,837,389	$718,243
2023	$2,424,026	$2,814,513	$5,295,902	$-390,487
2022	$2,472,080	$2,759,321	$4,897,008	$-287,241
2021	$3,041,330	$2,910,152	$5,175,327	$131,178
2020	$2,633,707	$2,742,631	$5,253,695	$-108,924
2019	$2,850,702	$2,538,574	$5,131,469	$312,128

CENTRAL SC HABITAT FOR HUMANITY