HABITAT FOR HUMANITY OF METRO LOUISVILLE (EIN 581735528) - 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

ROBERT D LOCKE

Phone

5026376265

Tax Period

2024-01-01 to 2024-12-31

HABITAT FOR HUMANITY OF METRO LOUISVILLE, founded in 1986, is a mid-sized nonprofit in the Housing & Shelter sector that reported $13.8M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $12.4M left a modest 10% surplus.

Mission

PROVIDING HOUSING SOLUTIONS OF HOMEOWNERSHIP, COMMUNITY DEVELOPMENT AND HOME REPAIR TO QUALIFIED APPLICANTS USING VOLUNTEER AND HOMEBUYER SWEAT EQUITY.

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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 $5,777,145

Program Service Revenue $7,558,384

Investment Income $389,490

Other Revenue $107,912

TOTAL REVENUE $13,832,931

Expense Breakdown

Grants Paid $763,552

Salaries & Benefits $2,086,177

Fundraising Expenses $524,704

Program Expenses $11,187,638

Other Expenses $9,535,079

TOTAL EXPENSES $12,384,808

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,832,931	$11,012,266	+0.3%
Expenses	$12,384,808	$10,390,427	+0.2%
Net Income	$1,448,123	$621,839	+1.3%

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

5768

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

$206,959

Total Directors

$206,959

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT D LOCKE	CEO	40.00	Officer Director	$178,850	$28,109	$206,959
JOHN BORDERS	VP OF ADMINISTRATION	2.00	Officer Director	$0	$0	$0
ROBIN BRAY	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT BURNS	DIRECTOR	1.00	Director	$0	$0	$0
HOPE DINKINS	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN ENGLISH	DIRECTOR	1.00	Director	$0	$0	$0
GABE FRITZ	DIRECTOR	1.00	Director	$0	$0	$0
JON BAKER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HAMMOND	DIRECTOR	1.00	Director	$0	$0	$0
BRIDGETTE JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
CLAY KANNAPELL	VP/SECRETARY	2.00	Officer Director	$0	$0	$0
GLENN KOSSE	PRESIDENT	2.00	Officer Director	$0	$0	$0
CHRIS MERIWETHER	DIRECTOR	1.00	Director	$0	$0	$0
TONYA MONTGOMERY	DIRECTOR	1.00	Director	$0	$0	$0
DAVID NOFSINGER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN RIPPY	DIRECTOR	1.00	Director	$0	$0	$0
JOHN SCHLAFER	DIRECTOR	1.00	Director	$0	$0	$0
AMBER HALLORAN	DIRECTOR	1.00	Director	$0	$0	$0
TODD ROSENBAUM	TREASURER	2.00	Officer Director	$0	$0	$0
KEVIN WIGGINTON	DIRECTOR	1.00	Director	$0	$0	$0
JEFF HEUN	DIRECTOR	1.00	Director	$0	$0	$0
BETH WISEMAN	DIRECTOR	1.00	Director	$0	$0	$0
ERIC HUELSMAN	DIRECTOR	1.00	Director	$0	$0	$0
TYLER WARD	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
2024	$13,832,931	$12,384,808	$23,909,744	$1,448,123
2023	$11,012,266	$10,390,427	$23,066,872	$621,839
2022	$8,767,687	$7,108,219	$20,487,151	$1,659,468
2021	$8,716,107	$7,404,120	$17,692,701	$1,311,987
2020	$6,290,102	$6,188,933	$16,862,985	$101,169
2019	$6,449,040	$6,571,740	$16,238,152	$-122,700
2018	$5,979,286	$5,789,003	$16,228,078	$190,283

HABITAT FOR HUMANITY OF METRO LOUISVILLE