HIGHLAND RIM HABITAT FOR HUMANITY INC (EIN 621395092) - 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

Tax Period

2021-07-01 to 2022-06-30

HIGHLAND RIM HABITAT FOR HUMANITY INC, founded in 1991, is a small nonprofit that reported $281K in total revenue in fiscal year 2021. Revenue surged 153% from the prior year, signaling strong growth momentum. Expenses of $352K exceeded revenue, resulting in a 25% operating deficit.

Mission

BUILDING HOMES AND PROVIDING INTEREST-FREE FINANCING FOR LOW-INCOME FAMILIES IN COFFEE COUNTY AND FRANKLIN COUNTIES IN TENNESSEE.

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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 (2021)

Revenue Breakdown

Contributions & Grants $146,521

Program Service Revenue $134,182

Investment Income $4

Other Revenue $0

TOTAL REVENUE $280,707

Expense Breakdown

Grants Paid $5,372

Salaries & Benefits $51,779

Fundraising Expenses $4,092

Program Expenses $310,050

Other Expenses $295,098

TOTAL EXPENSES $352,249

Year-over-Year Comparison

	2021	2020	Change
Revenue	$280,707	$110,771	+1.5%
Expenses	$352,249	$118,137	+2.0%
Net Income	$-71,542	$-7,366	+8.7%

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

Volunteers

275

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
VICKY LAMMERS	BOARD MEMBER	2.00	Director	$0	$0	$0
SHERRIE MCGUIRE	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHAEL OSTROWSKI	BOARD MEMBER	2.00	Director	$0	$0	$0
KAREN MORAN	BOARD MEMBER	2.00	Director	$0	$0	$0
JOHN FETTY	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHAEL HILL	BOARD MEMBER-BUILD CAPTAIN	2.00	Director	$0	$0	$0
MANDY SMITH	BOARD MEMBER-FAMILY SUPPORT	2.00	Director	$0	$0	$0
JIM MILLER	VICE PRESIDENT	2.00	Director	$0	$0	$0
TERRIE QUICK	PRESIDENT	10.00	Officer	$0	$0	$0
ELISA CHESSOR	ADMINSTRATIVE COORDINATOR	30.00	Officer	$0	$0	$0
KELLY SMITH	TREASURER	10.00	Officer	$0	$0	$0
SHERRIE CLEVELAND	SECRETARY	10.00	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2022	$280,707	$352,249	$486,321	$-71,542
2021	$110,771	$118,137	$535,680	$-7,366
2020	$306,424	$271,200	$544,441	$35,224

HIGHLAND RIM HABITAT FOR HUMANITY INC