HABITAT FOR HUMANITY OF MORGAN COUNTY INC (EIN 582365326) - 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

1998

Legal Domicile

Principal Officer

Thomas Greenfield

Phone

7064316139

Tax Period

2025-01-01 to 2025-12-31

HABITAT FOR HUMANITY OF MORGAN COUNTY INC, founded in 1998, is a micro nonprofit in the Housing & Shelter sector that reported $92K in total revenue in fiscal year 2025. Revenue fell 29% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $72K, a strong 78% operating margin.

Mission

Builds affordable housing with zero percent (0.0%) interest mortgage loans for 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 (2025)

Revenue Breakdown

Contributions & Grants $90,532

Program Service Revenue $280

Investment Income $1,020

Other Revenue $0

TOTAL REVENUE $91,832

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $20,256

Other Expenses $20,256

TOTAL EXPENSES $20,256

Year-over-Year Comparison

	2025	2024	Change
Revenue	$91,832	$130,043	-0.3%
Expenses	$20,256	$17,777	+0.1%
Net Income	$71,576	$112,266	-0.4%

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

N/A

Volunteers

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
Scott Webb	Director	0.25	Director	$0	$0	$0
Jennifer Sides	Director	0.3	Director	$0	$0	$0
Becky Thompson	Director & Past President	1	Director	$0	$0	$0
Hiram Johnston	Building Coordinator	6	Director	$0	$0	$0
Olivia LaBorn	Director	0.5	Director	$0	$0	$0
Marie Perriman	Treasurer	0.5	Officer Director	$0	$0	$0
Lee Abney	Director	0.15	Director	$0	$0	$0
Tom Greenfield	Board Chair & President	0.5	Officer Director	$0	$0	$0
Mary DiLetto	Director & Past President	2	Director	$0	$0	$0
Christopher Jones	Director	2.25	Director	$0	$0	$0
Christie Jones	Secretary	2.75	Officer Director	$0	$0	$0
Jeannie Collins	Director	3.5	Director	$0	$0	$0
Tim Robinson	Director	0.15	Director	$0	$0	$0
Sarah Wibell	Director	0.25	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	$91,832	$20,256	$1,016,350	$71,576
2024	No data	No data	No data	No data
2023	$71,365	$17,806	$837,174	$53,559
2022	$51,900	$17,979	$785,900	$33,921
2021	$35,352	$11,342	$668,163	$24,010
2020	$28,131	$14,655	$668,789	$13,476

HABITAT FOR HUMANITY OF MORGAN COUNTY INC