HABITAT FOR HUMANITY - NORTH CENTRAL GEORGIA INC (EIN 582157723) - 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

1995

Legal Domicile

Principal Officer

STEVE NAPIER

Phone

7705879679

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY - NORTH CENTRAL GEORGIA INC, founded in 1995, is a community nonprofit that reported $5.8M in total revenue in fiscal year 2023. Revenue surged 78% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 30% operating margin.

Mission

HABITAT FOR HUMANITY - NORTH CENTRAL GEORGIA, INC. IS A NON-PROFIT, NON-DENIMINATONAL CHRISTIAN HOUSING MINISTRY THAT WORKS IN PARTNERSHIP WITH COMMUNITY SPONSORS AND VOLUNTEERS TO BUILD SIMPLE, DECENT HOMES FOR, AND WITH, RESPONSIBLE LOW INCOME FAMILIES SELECTED BY THE ORGANIZATION.

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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 $1,953,243

Program Service Revenue $1,920,958

Investment Income $1,839,805

Other Revenue $67,952

TOTAL REVENUE $5,781,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $960,593

Fundraising Expenses $277,759

Program Expenses $3,383,910

Other Expenses $3,065,684

TOTAL EXPENSES $4,026,277

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,781,958	$3,246,747	+0.8%
Expenses	$4,026,277	$2,965,257	+0.4%
Net Income	$1,755,681	$281,490	+5.2%

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

1028

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

$108,834

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE NAPIER	EXECUTIVE DI	39.00	Officer	$108,834	$0	$108,834
CASEY BAKER	DIRECTOR	1.00	Director	$0	$0	$0
ANNE MAHER	DIRECTOR	1.00	Director	$0	$0	$0
BETSY MCGRIFF	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW MCKEE	TREASURER	1.00	Director	$0	$0	$0
JIMMY MCKINNEY	DIRECTOR	1.00	Director	$0	$0	$0
BILL MORGAN	DIRECTOR	1.00	Director	$0	$0	$0
MIKE PENNINGTON	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN SCHOEN	DIRECTOR	1.00	Director	$0	$0	$0
KARLA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
T MICHAEL STAFFORD	BOARD CHAIR	1.00	Director	$0	$0	$0
KERI WILLIAMS	SECRETARY	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	$5,781,958	$4,026,277	$11,516,217	$1,755,681
2023	$3,246,747	$2,965,257	$10,155,361	$281,490
2022	$4,177,083	$3,149,801	$9,690,875	$1,027,282
2021	$3,617,194	$3,459,331	$8,955,604	$157,863
2020	$2,757,173	$2,806,008	$9,567,875	$-48,835
2019	$2,932,087	$2,948,105	$9,240,429	$-16,018

HABITAT FOR HUMANITY - NORTH CENTRAL GEORGIA INC