Sumter Habitat for Humanity Inc (EIN 570835811) - 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

1986

Legal Domicile

Principal Officer

Josh Morrell

Phone

8037755767

Tax Period

2024-07-01 to 2025-06-30

Sumter Habitat for Humanity Inc, founded in 1986, is a small nonprofit in the Housing & Shelter sector that reported $931K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $857K left a modest 8% surplus.

Mission

To create decent, affordable housing for those in need and to make decent shelter a matter of conscience with people everywhere.

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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 $205,367

Program Service Revenue $441,095

Investment Income $27,422

Other Revenue $257,425

TOTAL REVENUE $931,309

Expense Breakdown

Grants Paid $0

Salaries & Benefits $228,764

Fundraising Expenses $64,368

Program Expenses $630,181

Other Expenses $627,982

TOTAL EXPENSES $856,746

Year-over-Year Comparison

	2024	2023	Change
Revenue	$931,309	$1,005,816	-0.1%
Expenses	$856,746	$558,456	+0.5%
Net Income	$74,563	$447,360	-0.8%

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

200

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

$68,924

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Theresa White	Executive Dir.	40.00	Officer	$68,924	$0	$68,924
James Lies Jr	Secretary	2.00	Officer Director	$0	$0	$0
Josh Morrell	President	2.00	Officer Director	$0	$0	$0
Ricky Poole	Director	2.00	Director	$0	$0	$0
Jennifer Saucier	VP/Treasurer	2.00	Officer Director	$0	$0	$0
Jason Goodson	Director	1.00	Director	$0	$0	$0
Jamie Campbell	Director	1.00	Director	$0	$0	$0
Shretta Godbolt	Director	1.00	Director	$0	$0	$0
Derrick Epps	Director	1.00	Director	$0	$0	$0
James Chris Parrish	Director	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	$931,309	$856,746	$3,442,049	$74,563
2024	$1,005,816	$558,456	$3,401,528	$447,360
2023	$500,644	$493,389	$3,003,177	$7,255
2022	$874,865	$706,217	$3,100,652	$168,648
2021	$615,131	$530,693	$2,966,056	$84,438
2020	$331,153	$349,821	$2,339,278	$-18,668
2019	$518,322	$402,021	$2,309,049	$116,301

Sumter Habitat for Humanity Inc