HABITAT FOR HUMANITY OF CLEVELAND INC (EIN 581916544) - 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

1990

Legal Domicile

Principal Officer

DAVID GRAY

Phone

4234766947

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF CLEVELAND INC, founded in 1990, is a community nonprofit in the Housing & Shelter sector that reported $4.1M in total revenue in fiscal year 2024. Revenue surged 45% from the prior year, signaling strong growth momentum. Expenses of $3.6M left a modest 12% surplus.

Mission

HABITAT FOR HUMANITY OF CLEVELAND IS A NON-PROFIT CHRISTIAN HOUSING MINISTRY. HABITAT WORKS IN PARTNERSHIP WITH GOD AND PEOPLE EVERYWHERE, FROM ALL WALKS OF LIFE, TO DEVELOP COMMUNITIES FOR PEOPLE IN NEED BY BUILDING AND SELLING HOUSES WITH ZERO PERCENT INTEREST LOANS. WE WORK TO PROVIDE DECENT HOUSES IN COMMUNITIES SO THAT EVERY PERSON CAN EXPERIENCE GOD'S LOVE IN ORDER TO LIVE AND GROW INTO ALL THAT GOD INTENDS.

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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 $1,466,141

Program Service Revenue $2,380,333

Investment Income $202,402

Other Revenue $63,346

TOTAL REVENUE $4,112,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $533,478

Fundraising Expenses $82,313

Program Expenses $3,298,934

Other Expenses $3,077,106

TOTAL EXPENSES $3,610,584

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,112,222	$2,838,604	+0.4%
Expenses	$3,610,584	$2,869,745	+0.3%
Net Income	$501,638	$-31,141	-17.1%

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

1429

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

$26,645

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID GRAY	CEO	40.00	Officer	$26,645	$0	$26,645
TAMMY K JOHNSON	FORMER CEO	40.00		$118,431	$0	$118,431
KAREN COLLEY	PRESIDENT	0.50	Officer Director	$0	$0	$0
BEN PAYNE	DIRECTOR	0.50	Officer Director	$0	$0	$0
TIM POTEET	TREASURER	0.50	Officer Director	$0	$0	$0
ATHENA PENDERGRASS	SECRETARY	0.50	Officer Director	$0	$0	$0
LISA HOFFER	DIRECTOR	0.50	Director	$0	$0	$0
DOUG BAILEY	DIRECTOR	0.50	Director	$0	$0	$0
JILL CULPEPPER	DIRECTOR	0.50	Director	$0	$0	$0
JARRETT MILLSAPS	DIRECTOR	0.50	Director	$0	$0	$0
JOHN MOSES	DIRECTOR	0.50	Director	$0	$0	$0
MIKE NOLAN	DIRECTOR	0.50	Director	$0	$0	$0
VERRILL NORWOOD	DIRECTOR	0.50	Director	$0	$0	$0
LAMAR ORR	DIRECTOR	0.50	Director	$0	$0	$0
JIM PHIROPOULOS	DIRECTOR	0.50	Director	$0	$0	$0
AUBREY DAVIS	DIRECTOR	0.50	Director	$0	$0	$0
LARRY PUCKETT	DIRECTOR	0.50	Director	$0	$0	$0
FRANK THAGGARD	DIRECTOR	0.50	Director	$0	$0	$0
DEWAYNE THOMPSON	PRESIDENT EL	0.50	Director	$0	$0	$0
VICKIE VERNON	DIRECTOR	0.50	Director	$0	$0	$0
ASHLEY FLOWERS	DIRECTOR	0.50	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	$4,112,222	$3,610,584	$8,346,544	$501,638
2024	$2,838,604	$2,869,745	$7,909,985	$-31,141
2023	$3,178,549	$1,376,796	$7,913,440	$1,801,753
2022	$2,269,300	$1,612,778	$6,248,694	$656,522
2021	$2,416,871	$1,792,849	$5,856,405	$624,022
2020	$2,134,657	$1,653,825	$5,273,137	$480,832
2019	$1,645,222	$1,618,293	$4,899,853	$26,929

HABITAT FOR HUMANITY OF CLEVELAND INC