Gadsden-Etowah Habitat For Humanity (EIN 631145264) - 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

1995

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

GADSDEN-ETOWAH HABITAT FOR HUMANITY, founded in 1995, is a small nonprofit that reported $265K in total revenue in fiscal year 2018. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $155K, a strong 59% operating margin.

Mission

Construction of Residential Housing for Low-income families

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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 (2023)

Revenue Breakdown

Contributions & Grants $296,583

Program Service Revenue $79,702

Investment Income $38,796

Other Revenue $1,783

TOTAL REVENUE $416,864

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,392

Fundraising Expenses $11,078

Program Expenses $151,224

Other Expenses $154,627

TOTAL EXPENSES $210,019

Year-over-Year Comparison

	2023	2022	Change
Revenue	$416,864	$220,259	+0.9%
Expenses	$210,019	$168,414	+0.2%
Net Income	$206,845	$51,845	+3.0%

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

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

$59,992

Total Directors

$59,992

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sarah Meehan	Executive Director	1.00	Officer Director	$59,992	$0	$59,992
Krystal McWhorter	Board Member	1.00	Director	$0	$0	$0
April S Breland	Board Member	1.00	Director	$0	$0	$0
Rita Jones	Board Member	1.00	Director	$0	$0	$0
Joan Coker	Secretary	1.00	Director	$0	$0	$0
Stan Wagar	Board Member	1.00	Director	$0	$0	$0
Bryan Bostick	Bd MemberConstruction Coord	1.00	Director	$0	$0	$0
Adrienne Reed	Board Member	1.00	Director	$0	$0	$0
Nakia Cox-Palmer	Board Member	1.00	Director	$0	$0	$0
Carrie Machen	Treasurer	1.00	Officer Director	$0	$0	$0
Jacque Clay	President	1.00	Officer Director	$0	$0	$0
Thomas Worthy	Board Member	1.00	Officer Director	$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	$416,864	$210,019	$2,310,102	$206,845
2023	$220,259	$168,414	$2,035,808	$51,845
2022	$144,695	$131,632	$1,946,959	$13,063
2021	$181,616	$116,818	$2,035,111	$64,798
2020	$284,855	$219,113	$1,868,144	$65,742
2019	$265,036	$109,988	$1,830,498	$155,048

Gadsden-Etowah Habitat For Humanity