HABITAT FOR HUMANITY MISSISSIPPI C… - Form 990 Financial Data

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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

MERRILL T MCKEWEN

Phone

6013536060

Tax Period

2024-01-01 to 2024-12-31

HABITAT FOR HUMANITY MISSISSIPPI CAPITAL AREA, founded in 1986, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. Net assets of $8.0M represent 29 months of operating reserves.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY MISSISSIPPI CAPITAL AREA BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE.

Program Service Accomplishments

Program 1

Expenses: $2,362,740 Revenue: $1,537,279

DURING 2024, HFHMCA INFUSED $2.36MM INTO SMALL AND MINORITY-OWNED BUSINESSES AND THE LOCAL ECONOMY WITH THE ONGOING CONSTRUCTION OF THREE NEW HOMES AND THE TRANSFORMING OF FIVE PREVIOUSLY OWNED HOMES INTO SAFE AFFORDABLE HOMES FOR EIGHT FAMILIES. SELECTED FAMILIES COMPLETE A RIGOROUS PROGRAM THAT INCLUDE FINANCIAL MANAGEMENT, WILLS AND ESTATE PLANNING, COMPLETION OF AT LEAST 250 HOURS OF VOLUNTEER SERVICE AND ONGOING SUPPORT AS THEY NAVIGATE HOMEOWNERSHIP. SUCCESSFUL HOMEOWNERSHIP IS ONE OF THE KEYS TO GENERATIONAL WEALTH. SEVENTEEN HOMEOWNERS PAID OFF THEIR MORTGAGES DURING 2024.

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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 $1,745,563

Program Service Revenue $1,033,050

Investment Income $5,553

Other Revenue $507,102

TOTAL REVENUE $3,291,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,358,232

Fundraising Expenses $296,646

Program Expenses $2,362,740

Other Expenses $1,835,610

TOTAL EXPENSES $3,193,842

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,291,268	$3,375,830	0.0%
Expenses	$3,193,842	$3,462,124	-0.1%
Net Income	$97,426	$-86,294	-2.1%

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

Volunteers

747

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

$174,736

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AILEEN THOMAS	TREASURER	2.00	Director	$0	$0	$0
ALLEN SCOTT	PAST PRESIDENT	1.00	Director	$0	$0	$0
CLIFTON GOODLOE	BOARD MEMBER	1.00	Director	$0	$0	$0
COLLIER GRAHAM	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID COON	BOARD MEMBER	1.00	Director	$0	$0	$0
DONNA JACOBS	BOARD MEMBER	1.00	Director	$0	$0	$0
HARRISON YOUNG	BOARD MEMBER	1.00	Director	$0	$0	$0
JAY JACOBUS	VICE PRESIDENT	2.00	Director	$0	$0	$0
JENNIFER STUDEBAKER	PRESIDENT	2.00	Director	$0	$0	$0
JOHN CLARK	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHNNY RAY	BOARD MEMBER	1.00	Director	$0	$0	$0
KARA WASHINGTON	BOARD MEMBER	1.00	Director	$0	$0	$0
KATIE MCRAE	BOARD MEMBER	1.00	Director	$0	$0	$0
KURT VANDE STREEK	BOARD MEMBER	1.00	Director	$0	$0	$0
LARRY RATZLAFF	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDA WATERS	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY PURVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
MAURA JELLIFFE	SECRETARY	2.00	Director	$0	$0	$0
MONIA DAY	BOARD MEMBER	1.00	Director	$0	$0	$0
POLLY HAMMETT	BOARD MEMBER	1.00	Director	$0	$0	$0
SAM MORRIS	BOARD MEMBER	1.00	Director	$0	$0	$0
SANDRA ROBINSON	BOARD MEMBER	1.00	Director	$0	$0	$0
SLADE EXLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN GRINER	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIE ALEXANDER	BOARD MEMBER	1.00	Director	$0	$0	$0
MERRILL T MCKEWEN	EXECUTIVE DIRECTOR	50.00	Officer	$133,132	$41,604	$174,736
THOMAS PRICE	CONSTRUCTION DIRECTOR	50.00	Highest	$103,316	$20,662	$123,978

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	$3,291,268	$3,193,842	$10,326,272	$97,426
2023	$3,375,830	$3,462,124	$10,742,881	$-86,294
2022	$3,265,999	$3,551,496	$10,668,297	$-285,497
2021	$3,781,132	$3,124,154	$11,354,984	$656,978
2020	$2,620,293	$2,338,785	$11,433,033	$281,508
2019	$4,321,137	$2,714,077	$11,208,415	$1,607,060
2018	$3,450,242	$3,742,687	$15,900,103	$-292,445

HABITAT FOR HUMANITY MISSISSIPPI CAPITAL AREA