CHIPOLA AREA HABITAT FOR HUMANITY … - Form 990 Financial Data

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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

1988

Legal Domicile

Principal Officer

KEVIN YODER

Phone

8504822187

Tax Period

2024-07-01 to 2025-06-30

CHIPOLA AREA HABITAT FOR HUMANITY INC, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $1.6M in total revenue in fiscal year 2024. Expenses of $2.0M exceeded revenue, resulting in a 29% operating deficit.

Mission

THE ORGANIZATION BUILDS HOUSES AND PROVIDES INTEREST FREE FINANCING SO THAT LOW INCOME FAMILIES CAN HAVE AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $1,848,494 Revenue: $1,236,162

THE ORGANIZATION BUILDS HOUSES AND PROVIDES INTEREST FREE FINANCING SO THAT LOW INCOME FAMILIES CAN HAVE AFFORDABLE HOUSING.

Program 2

OUR "RESTORE" RAISED $324,461 IN RETAIL SALES IN FY 2024. THE RESTORE SERVES THE COMMUNITY BY PROVIDING THE OPPORTUNITY TO PURCHASE TAX FREE, NEW AND SLIGHTLY USED ITEMS.

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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 $319,029

Program Service Revenue $832,516

Investment Income $0

Other Revenue $403,646

TOTAL REVENUE $1,555,191

Expense Breakdown

Grants Paid $0

Salaries & Benefits $432,183

Fundraising Expenses $24,163

Program Expenses $1,848,494

Other Expenses $1,572,241

TOTAL EXPENSES $2,004,424

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,555,191	$1,587,426	0.0%
Expenses	$2,004,424	$1,617,357	+0.2%
Net Income	$-449,233	$-29,931	+14.0%

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

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

$48,653

Total Directors

$99,066

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA WILLIAMS	PROGRAM DIRECTOR	1.00	Director	$61,032	$0	$61,032
WAYLAND FULFORD	DIRECTOR	1.00	Director	$0	$0	$0
PHYLLIS DANIELS	DIRECTOR	1.00	Director	$0	$0	$0
TAMMY DEAN	TREASURER	1.00	Director	$0	$0	$0
PAUL DONOFRO	DIRECTOR	2.00	Director	$0	$0	$0
TRAVIS EPHRIAM	PRESIDENT	7.00	Director	$0	$0	$0
SUMMER FOREHAND	DIRECTOR	1.00	Director	$0	$0	$0
BRITTANY HENDLEY	EXECUTIVE DIRECTOR	2.00	Director	$0	$0	$0
LEON KELLY	DIRECTOR	1.00	Director	$0	$0	$0
ISAIAH MORGAN	DIRECTOR	32.00	Director	$38,034	$0	$38,034
BRENDA WHITTINGTON	SECRETARY	3.00	Director	$0	$0	$0
SCOTT PHELPS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE WHITTINGTON	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN YODER	EXECUTIVE DIRECTOR	34.00	Officer	$48,653	$0	$48,653
KEVIN DANIEL	IMMEDIATE PAST PRESIDENT	1.00	Officer	$0	$0	$0
TRACY ANDREWS	BOARD ADVISOR	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	$1,555,191	$2,004,424	$4,451,234	$-449,233
2024	No data	No data	No data	No data
2023	$1,933,166	$1,670,614	$5,069,986	$262,552
2022	$1,673,880	$1,073,387	$4,865,080	$600,493
2021	$1,480,021	$1,093,332	$3,826,981	$386,689
2020	$786,356	$783,809	$3,521,564	$2,547
2019	$1,015,506	$993,541	$3,725,129	$21,965
2018	$651,818	$577,741	$3,477,325	$74,077

CHIPOLA AREA HABITAT FOR HUMANITY INC