CUMBERLAND COUNTY HABITAT FOR HUMANITY (EIN 621662475) - 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

1996

Legal Domicile

Principal Officer

VANESSA PETTY

Phone

9314844565

Tax Period

2024-07-01 to 2025-06-30

CUMBERLAND COUNTY HABITAT FOR HUMANITY, founded in 1996, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue surged 86% from the prior year, signaling strong growth momentum. The organization ran a surplus of $652K, a strong 42% operating margin.

Mission

TO PROVIDE NEW HOUSING FOR ECONOMICALLY DISADVANTAGED 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 (2024)

Revenue Breakdown

Contributions & Grants $643,373

Program Service Revenue $646,574

Investment Income $12,105

Other Revenue $254,256

TOTAL REVENUE $1,556,308

Expense Breakdown

Grants Paid $0

Salaries & Benefits $405,959

Fundraising Expenses $52,053

Program Expenses $744,393

Other Expenses $498,114

TOTAL EXPENSES $904,073

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,556,308	$838,914	+0.9%
Expenses	$904,073	$879,315	+0.0%
Net Income	$652,235	$-40,401	-17.1%

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

N/A

Volunteers

190

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

$57,984

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BRENNER	PRESIDENT	2.00	Officer Director	$0	$0	$0
JONATHAN MILLER	PRESIDENT ELECT	2.00	Officer Director	$0	$0	$0
KEITH MILLS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
CARY NELSON	SECRETARY	2.00	Officer Director	$0	$0	$0
ANNE GROVE	ASSISTANT SECRETARY	2.00	Officer Director	$0	$0	$0
DIANE HOWARD	TREASURER	2.00	Officer Director	$0	$0	$0
CARY CORLETT	ASSISTANT TREASURER	2.00	Officer Director	$0	$0	$0
KENNETHA KILBURN	MEMBER	1.00	Director	$0	$0	$0
KEITH MILLS	MEMBER	1.00	Director	$0	$0	$0
REV TIM CHESSON	MEMBER	1.00	Director	$0	$0	$0
STAN ZUERCHER	MEMBER	1.00	Director	$0	$0	$0
RENEE OLESEN	MEMBER	1.00	Director	$0	$0	$0
VANESSA PETTY	EXECUTIVE DIRECTOR	40.00	Officer	$57,984	$0	$57,984

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	$1,556,308	$904,073	$3,681,772	$652,235
2024	$838,914	$879,315	$3,053,237	$-40,401
2023	$955,739	$931,297	$3,091,873	$24,442
2022	$747,913	$702,178	$3,083,839	$45,735
2021	$840,396	$781,235	$3,005,253	$59,161
2020	$716,912	$693,638	$2,915,496	$23,274
2019	$607,957	$570,381	$2,905,261	$37,576
2018	$597,202	$543,671	$2,856,683	$53,531

CUMBERLAND COUNTY HABITAT FOR HUMANITY