HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC (EIN 621260347) - 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

1985

Legal Domicile

Principal Officer

JENS CHRISTENSEN

Phone

4237560507

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $4.3M in total revenue in fiscal year 2024. The organization ran a surplus of $1.4M, a strong 33% operating margin.

Mission

HABITAT FOR HUMANITY OF GREATER CHATTANOOGA (HFH-GC) BRINGS TOGETHER BUSINESSES, CHURCHES, AND OTHER COMMUNITY ORGANIZATIONS IN PARTNERSHIP WITH LOW INCOME FAMILIES TO SPARK AUTHENTIC TRANSFORMATION IN OUR CITY THROUGH THE CONSTRUCTION OF SIMPLE, DECENT, AFFORDABLE AND SAFE HOMES.

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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 $3,084,673

Program Service Revenue $847,434

Investment Income $161,499

Other Revenue $222,476

TOTAL REVENUE $4,316,082

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,298,126

Fundraising Expenses $104,687

Program Expenses $2,638,219

Other Expenses $1,604,961

TOTAL EXPENSES $2,903,087

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,316,082	$4,481,395	0.0%
Expenses	$2,903,087	$3,221,128	-0.1%
Net Income	$1,412,995	$1,260,267	+0.1%

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

1605

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

$251,828

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEREK BULLARD	CHAIR	2.00	Officer Director	$0	$0	$0
STEPHEN ADAMS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
TERNAE JORDAN JR	DEVELOPMENT CO-CHAIR	2.00	Officer Director	$0	$0	$0
TONY SANDERS	TREASURER	2.00	Officer Director	$0	$0	$0
DON MCDOWELL	SECRETARY	2.00	Officer Director	$0	$0	$0
ROWENA BELCHER	GOVERNANCE CHAIR	2.00	Officer Director	$0	$0	$0
MARK FEEMSTER	DIRECTOR	2.00	Director	$0	$0	$0
KEN STAPLETON	DIRECTOR	2.00	Director	$0	$0	$0
BLAKE TODD	DEVELOPMENT CO-CHAIR	2.00	Officer Director	$0	$0	$0
FABIOLA ORTIZ SMITH	DIRECTOR	2.00	Director	$0	$0	$0
DONNA WILLIAMS	DIRECTOR	2.00	Director	$0	$0	$0
CORNELIUS BAYES	HOMEOWNER SERVICES CHAIR	2.00	Officer Director	$0	$0	$0
BRANT MASON	CFO	60.00	Officer	$69,073	$2,966	$72,039
JENS CHRISTENSEN	PRESIDENT & CEO	60.00	Officer	$150,307	$29,482	$179,789

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	$4,316,082	$2,903,087	$7,797,964	$1,412,995
2024	$4,481,395	$3,221,128	$6,361,295	$1,260,267
2023	$3,356,702	$2,707,621	$5,095,803	$649,081
2022	$4,430,153	$3,004,981	$4,493,598	$1,425,172
2021	$3,116,632	$2,999,486	$3,554,837	$117,146
2020	$2,781,839	$2,989,392	$3,264,749	$-207,553
2019	$2,568,809	$2,634,262	$3,258,889	$-65,453
2018	$3,144,835	$3,372,209	$3,287,113	$-227,374

HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC