HABITAT FOR HUMANITY OF MONTGOMERY COUNTY TN INC (EIN 621477518) - 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

Principal Officer

SONDA FINLEY

Phone

9316454222

Tax Period

2023-01-01 to 2023-12-31

HABITAT FOR HUMANITY OF MONTGOMERY COUNTY TN INC is a small nonprofit in the Housing & Shelter sector that reported $892K in total revenue in fiscal year 2023. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $154K, a strong 17% operating margin.

Mission

HABITAT FOR HUMANITY WORKS IN PARTNERSHIP WITH GOD AND PEOPLE EVERYWHERE FROM ALL WALKS OF LIFE TO DEVELOP COMMUNITIES WITH GOD'S PEOPLE IN NEED BY BUILDING HOUES SO THAT THERE ARE SAFE AND DECENT HOUSES IN DECENT COMMUNITIES IN WHICH PEOPLE CAN LIVE AND GROW INTO ALL THAT GOD INTENDS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $219,184

Program Service Revenue $0

Investment Income $160,193

Other Revenue $513,082

TOTAL REVENUE $892,459

Expense Breakdown

Grants Paid $0

Salaries & Benefits $184,296

Fundraising Expenses $0

Program Expenses $606,438

Other Expenses $554,392

TOTAL EXPENSES $738,688

Year-over-Year Comparison

	2023	2022	Change
Revenue	$892,459	$823,545	+0.1%
Expenses	$738,688	$430,221	+0.7%
Net Income	$153,771	$393,324	-0.6%

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

750

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
HERB BAGGETT	BOARD MEMBER	N/A	Director	$0	$0	$0
JULIE BROWN	SECRETARY	N/A	Officer	$0	$0	$0
BLAYNE CLEMENTS	TREASURER	N/A	Officer	$0	$0	$0
AMINAH EYIOWUAWI	VICE PRESIDE	N/A	Officer	$0	$0	$0
SONDA FINLEY	PRESIDENT	N/A	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
2023	$892,459	$738,688	$3,222,428	$153,771
2022	$1,164,520	$771,196	$2,919,823	$393,324
2022	$823,545	$430,221	$2,919,823	$393,324
2021	$603,507	$211,723	$2,646,580	$391,784
2020	$424,181	$196,022	$2,303,423	$228,159
2019	$224,744	$119,113	$2,032,472	$105,631
2018	$137,116	$95,488	$1,909,462	$41,628

HABITAT FOR HUMANITY OF MONTGOMERY COUNTY TN INC