HABITAT FOR HUMANITY OF EFFINGHAM COUNTY INC (EIN 582244182) - 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

1996

Legal Domicile

Principal Officer

JIM PRESNELL

Phone

9128266433

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF EFFINGHAM COUNTY INC, founded in 1996, is a small nonprofit that reported $974K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. Expenses of $941K left a modest 3% surplus.

Mission

HABITAT IS A CHRISTIAN HOUSING MINISTRY THAT WORKS WITH PEOPLE IN NEED TO IMPROVE THE CONDITIONS IN WHICH THEY LIVE BY PROVIDING AFFORDABLE HOUSING.

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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 $411,352

Program Service Revenue $552,788

Investment Income $7,501

Other Revenue $2,317

TOTAL REVENUE $973,958

Expense Breakdown

Grants Paid $0

Salaries & Benefits $263,352

Fundraising Expenses $30,529

Program Expenses $868,920

Other Expenses $677,481

TOTAL EXPENSES $940,833

Year-over-Year Comparison

	2024	2023	Change
Revenue	$973,958	$1,180,628	-0.2%
Expenses	$940,833	$1,105,478	-0.1%
Net Income	$33,125	$75,150	-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

Employees

Volunteers

211

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

$59,585

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIMMY RUTLAND	PRESIDENT/CE	40.00	Officer	$59,585	$0	$59,585
KAREN HILLMAN	DIRECTOR	1.00	Director	$0	$0	$0
VERNE HILLMAN	DIRECTOR	1.00	Director	$0	$0	$0
DANA KIRKLAND	DIRECTOR	1.00	Director	$0	$0	$0
BYRON PAYNE	VICE CHAIRPE	2.00	Officer Director	$0	$0	$0
ERIN PHILLIPS	SECRETARY	2.00	Officer Director	$0	$0	$0
JIM PRESNELL	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
TORI RHETT-JOHNSON	TREASURER	2.00	Officer Director	$0	$0	$0
DAVID SHARP	VICE CHAIRPE	2.00	Officer Director	$0	$0	$0
LAKE STANDBRIDGE	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	$973,958	$940,833	$1,366,743	$33,125
2024	No data	No data	No data	No data
2023	$783,363	$650,349	$1,328,974	$133,014
2022	$678,060	$546,836	$1,179,465	$131,224
2021	$535,905	$474,759	$1,055,163	$61,146
2020	$556,901	$519,103	$1,034,955	$37,798
2019	$560,897	$574,524	$980,315	$-13,627

HABITAT FOR HUMANITY OF EFFINGHAM COUNTY INC