HABITAT FOR HUMANITY OF OKALOOSA COUNTY INC (EIN 593066029) - 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

1991

Legal Domicile

Principal Officer

NITSI BENNETT

Phone

8508974333

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF OKALOOSA COUNTY INC, founded in 1991, is a community nonprofit in the Housing & Shelter sector that reported $1.1M in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $1.1M left a modest 6% surplus.

Mission

OKALOOSA HABITAT FOR HUMANITY IS A NON-PROFIT, CHRISTIAN ORGANIZATION DEDICATED TO ELIMINATING SUBSTANDARD HOUSING IN OKALOOSA COUNTY. WE PROVIDE OPPORTUNITES FOR THE COMMUNITY TO SHOW GOD'S LOVE IN ACTION. THROUGH PARTNERSHIP WITH PEOPLE IN NEED, WE BREAK THE CYCLE OF POVERTY BY PROVIDING DECENT AFFORDABLE HOUSING AND IMPROVING THE QUALITY OF LIFE OF OUR PARTNER 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 (2024)

Revenue Breakdown

Contributions & Grants $435,434

Program Service Revenue $165,718

Investment Income $7,976

Other Revenue $526,468

TOTAL REVENUE $1,135,596

Expense Breakdown

Grants Paid $0

Salaries & Benefits $465,647

Fundraising Expenses $16,411

Program Expenses $1,013,322

Other Expenses $606,041

TOTAL EXPENSES $1,071,688

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,135,596	$1,605,601	-0.3%
Expenses	$1,071,688	$1,378,064	-0.2%
Net Income	$63,908	$227,537	-0.7%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANGIE SANCHEZ	PAST CHAIRMAN	3.00	Officer Director	$0	$0	$0
FRANKIE GIBBS	CHAIRMAN	3.00	Officer Director	$0	$0	$0
NIKKI SCHNEBERGER	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
NITSI BENNETT	CEO	3.00	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	$1,135,596	$1,071,688	$2,000,625	$63,908
2024	No data	No data	No data	No data
2023	$1,178,598	$1,320,212	$1,530,755	$-141,614
2022	$1,344,450	$1,134,290	$1,610,329	$210,160
2021	$1,285,710	$1,173,331	$1,508,333	$112,379
2020	$898,322	$976,496	$1,503,345	$-78,174
2019	$1,028,515	$978,548	$1,570,985	$49,967
2018	$1,113,552	$1,258,781	$1,539,176	$-145,229

HABITAT FOR HUMANITY OF OKALOOSA COUNTY INC