OBION COUNTY HABITAT FOR HUMANITY (EIN 621577879) - 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

1994

Legal Domicile

Principal Officer

Willie Bell

Phone

7314465047

Tax Period

2024-01-01 to 2024-12-31

OBION COUNTY HABITAT FOR HUMANITY, founded in 1994, is a small nonprofit that reported $156K in total revenue in fiscal year 2024. Revenue surged 277% from the prior year, signaling strong growth momentum. The organization ran a surplus of $101K, a strong 65% operating margin.

Mission

BUILDING HOUSES FOR QUALIFIED RECIPIENTS

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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 $20,764

Program Service Revenue $0

Investment Income $13,309

Other Revenue $121,965

TOTAL REVENUE $156,038

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,675

Fundraising Expenses $0

Program Expenses $30,094

Other Expenses $30,094

TOTAL EXPENSES $54,769

Year-over-Year Comparison

	2024	2023	Change
Revenue	$156,038	$41,395	+2.8%
Expenses	$54,769	$153,563	-0.6%
Net Income	$101,269	$-112,168	-1.9%

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

250

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

$4,920

Total Directors

$18,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Laura Mai McNeil	Board Member	0.00	Director	$0	$0	$0
Bob Nichols	Board Member	0.00	Director	$0	$0	$0
Mike Daniel	Board Member	0.00	Director	$0	$0	$0
Jimmy Smith	Vice President	0.00	Director	$0	$0	$0
Barbara Dickerson	Board Member	0.00	Director	$0	$0	$0
Mack Ashburn	Board Member	0.00	Director	$0	$0	$0
Judy Underwood	Executive Director	20.00	Director	$18,000	$0	$18,000
Clint Joiner	Board Member	0.00	Director	$0	$0	$0
Willie Bell	President	0.00	Officer	$0	$0	$0
Tim Williams	Treasurer	0.00	Officer	$0	$0	$0
Kyle Baggett	Secretary	0.00	Officer	$0	$0	$0
Whitney Gordon	Office Manager	10.00	Officer	$4,920	$0	$4,920

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	$156,038	$54,769	$1,350,489	$101,269
2023	$41,395	$153,563	$1,263,645	$-112,168
2022	$15,900	$40,465	$1,380,831	$-24,565
2019	$47,166	$50,019	$1,437,934	$-2,853
2018	$12,754	$54,200	$1,402,541	$-41,446

OBION COUNTY HABITAT FOR HUMANITY