HABITAT FOR HUMANITY - JACKSON TENNESSEE AREA INC (EIN 621507212) - 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

1986

Legal Domicile

Principal Officer

NICCI GANO

Phone

7314277967

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY - JACKSON TENNESSEE AREA INC, founded in 1986, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $246K, a strong 17% operating margin.

Mission

OFFER 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 (2023)

Revenue Breakdown

Contributions & Grants $588,824

Program Service Revenue $427,173

Investment Income $303,757

Other Revenue $113,082

TOTAL REVENUE $1,432,836

Expense Breakdown

Grants Paid $0

Salaries & Benefits $405,951

Fundraising Expenses $42,155

Program Expenses $1,078,125

Other Expenses $780,518

TOTAL EXPENSES $1,186,469

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,432,836	$1,109,035	+0.3%
Expenses	$1,186,469	$941,489	+0.3%
Net Income	$246,367	$167,546	+0.5%

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

210

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
NEAL SMYTH	DIRECTOR	1.00	Director	$0	$0	$0
LAUREN KIRK	DIRECTOR	1.00	Director	$0	$0	$0
SUMMER NICHOLS	PRESIDENT	1.00	Officer Director	$0	$0	$0
NADINE MCNEAL	DIRECTOR	1.00	Director	$0	$0	$0
SHANA JACKSON	DIRECTOR	1.00	Director	$0	$0	$0
JOE SHEARIN	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS GRAY	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
TYLER CARR	SECRETARY	1.00	Officer Director	$0	$0	$0
JEANY BYTH MAXWELL	TREASURER	1.00	Officer Director	$0	$0	$0
ABBY PALMER	DIRECTOR	1.00	Director	$0	$0	$0
NICCI GANO	DIRECTOR OF	40.00	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
2024	$1,432,836	$1,186,469	$2,302,314	$246,367
2023	$1,109,035	$941,489	$2,079,568	$167,546
2022	$541,662	$544,458	$1,931,460	$-2,796
2021	$750,763	$543,702	$1,729,534	$207,061
2020	$724,373	$417,714	$1,576,563	$306,659
2019	$214,101	$249,386	$1,869,361	$-35,285
2018	$134,543	$233,989	$1,920,756	$-99,446

HABITAT FOR HUMANITY - JACKSON TENNESSEE AREA INC