HABITAT FOR HUMANITY OF RABUN COUNTY (EIN 581813127) - 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

2023-10-01 to 2024-09-30

HABITAT FOR HUMANITY OF RABUN COUNTY, founded in 1989, is a small nonprofit that reported $323K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $84K, a strong 26% operating margin.

Mission

PROVIDE AFFORDABLE LOW-COST HOUSING FOR QUALIFYING LOW INCOME FAMILIES.

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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 $101,024

Program Service Revenue $0

Investment Income $2,282

Other Revenue $219,401

TOTAL REVENUE $322,707

Expense Breakdown

Grants Paid $0

Salaries & Benefits $136,958

Fundraising Expenses $10,649

Other Expenses $101,642

TOTAL EXPENSES $238,600

Year-over-Year Comparison

	2023	2022	Change
Revenue	$322,707	$345,401	-0.1%
Expenses	$238,600	$114,393	+1.1%
Net Income	$84,107	$231,008	-0.6%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EVANS LOCKWOOD	TREASURER	5.00	Officer	$0	$0	$0
TRACIE RONEMUS	VICE PRESIDENT	4.00	Officer	$0	$0	$0
AMANDA HAROLD	PRESIDENT	3.00	Officer	$0	$0	$0
CYNTHIA PAGANO	SECRETARY	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	$322,707	$238,600	$2,623,276	$84,107
2023	$333,580	$221,521	$2,557,289	$112,059
2022	$366,312	$182,868	$2,430,831	$183,444
2021	$297,387	$188,424	$2,464,944	$108,963
2020	$303,154	$153,751	$2,485,081	$149,403
2019	$760,885	$735,709	$2,347,087	$25,176
2018	$315,380	$197,667	$2,352,820	$117,713

HABITAT FOR HUMANITY OF RABUN COUNTY