HABITAT FOR HUMANITY OF SHELBY COUNTY KY INC (EIN 611185987) - 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

1990

Legal Domicile

Principal Officer

PAMELA CARTER

Phone

5025644970

Tax Period

2022-07-01 to 2023-06-30

HABITAT FOR HUMANITY OF SHELBY COUNTY KY INC, founded in 1990, is a small nonprofit in the Housing & Shelter sector that reported $233K in total revenue in fiscal year 2022. Revenue fell 32% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $120K, a strong 52% operating margin.

Mission

TO PROVIDE AFFORDABLE HOUSING TO 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 (2022)

Revenue Breakdown

Contributions & Grants $206,523

Program Service Revenue $10,775

Investment Income $0

Other Revenue $15,349

TOTAL REVENUE $232,647

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $58,311

Fundraising Expenses $0

Program Expenses $42,230

Other Expenses $52,620

TOTAL EXPENSES $112,431

Year-over-Year Comparison

	2022	2021	Change
Revenue	$232,647	$339,695	-0.3%
Expenses	$112,431	$277,140	-0.6%
Net Income	$120,216	$62,555	+0.9%

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

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

$43,833

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAMELA CARTER	EXECUTIVE DI	40.00	Director	$43,833	$0	$43,833
COLLIN JOHNSON	PRESIDENT	1.00	Officer Director	$0	$0	$0
ANDREW PAGE	TREASURER	1.00	Officer Director	$0	$0	$0
TAYLOR BRAMLAGE	SECRETARY	1.00	Officer Director	$0	$0	$0
DARLENE SNOW	DIRECTOR	1.00	Director	$0	$0	$0
TERRY LEE MURPHY	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$232,647	$112,431	$531,761	$120,216
2022	$339,695	$277,140	$410,316	$62,555

HABITAT FOR HUMANITY OF SHELBY COUNTY KY INC