GREATER BIRMINGHAM HABITAT FOR HUMANITY INC (EIN 630962910) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

CHARLES T MOORE

Phone

2057801234

Tax Period

2024-07-01 to 2025-06-30

GREATER BIRMINGHAM HABITAT FOR HUMANITY INC, founded in 1987, is a community nonprofit in the Housing & Shelter sector that reported $9.0M in total revenue in fiscal year 2017. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.7M, a strong 40% operating margin.

Mission

GREATER BIRMINGHAM HABITAT FOR HUMANITY, INC (THE ORGANIZATION) PROVIDES AFFORDABLE HOUSING SOLUTIONS BY CONSTRUCTING NEW SINGLE FAMILY HOUSES AND REVITALIZING EXISTING HOUSES. THEY ENCOURAGE FAMILY STABILITY AND PROMOTE SELF SUFFICIENCY, EDUCATIONAL ACHIEVEMENT AND RESPONSIBLE CITIZENSHIP WHILE SEEKING TO ELIMINATE POVERTY HOUSING.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $7,096,744

Program Service Revenue $8,717,431

Investment Income $1,371,737

Other Revenue $987,551

TOTAL REVENUE $18,173,463

Expense Breakdown

Grants Paid $25,000

Salaries & Benefits $1,843,269

Fundraising Expenses $245,278

Program Expenses $14,095,409

Other Expenses $13,352,944

TOTAL EXPENSES $15,221,213

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,173,463	$16,164,282	+0.1%
Expenses	$15,221,213	$12,413,634	+0.2%
Net Income	$2,952,250	$3,750,648	-0.2%

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

5306

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

$302,938

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTY BROWN	TREASURER	1.00	Officer Director	$0	$0	$0
MARIA FRAZIER	SECRETARY	1.00	Officer Director	$0	$0	$0
ARLAN LEWIS	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
LARRY NORRIS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CAROLINE POWELL	LEGAL COUNSEL	1.00	Officer Director	$0	$0	$0
JAMES STEWART	VICE-CHAIRMAN	1.00	Officer Director	$0	$0	$0
PAULA BECK	DIRECTOR	1.00	Director	$0	$0	$0
LEONARD CASEY JR	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS EDDLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
CALEB HOPKINS	DIRECTOR	1.00	Director	$0	$0	$0
ALICIA HUEY	DIRECTOR	1.00	Director	$0	$0	$0
BOBBY HUMPHREY	DIRECTOR	1.00	Director	$0	$0	$0
JAMES KEMP JR	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS ROGERS	DIRECTOR	1.00	Director	$0	$0	$0
PAUL SCHABACKER	DIRECTOR	1.00	Director	$0	$0	$0
ADAM THROWER	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES T MOORE	PRESIDENT & CEO	36.00	Officer	$183,000	$24,508	$207,508
CANDACE SAXON	VP OF FINANCE	38.00	Officer	$88,110	$7,320	$95,430

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	$18,173,463	$15,221,213	$43,668,236	$2,952,250
2024	$16,164,282	$12,413,634	$42,455,186	$3,750,648
2023	$12,070,746	$9,233,140	$38,829,976	$2,837,606
2022	$9,151,776	$7,652,642	$36,123,846	$1,499,134
2021	$8,561,101	$6,935,584	$34,878,297	$1,625,517
2020	$6,615,727	$5,103,888	$33,254,173	$1,511,839
2019	$6,719,270	$5,867,235	$31,526,343	$852,035
2018	$9,046,704	$5,386,111	$30,834,918	$3,660,593

GREATER BIRMINGHAM HABITAT FOR HUMANITY INC