STARKVILLE AREA HABITAT FOR HUMANI… - 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

AMANDA HENRY

Phone

6623247008

Tax Period

2024-07-01 to 2025-06-30

STARKVILLE AREA HABITAT FOR HUMANITY, founded in 1986, is a small nonprofit that reported $520K in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $160K, a strong 31% operating margin.

Mission

TO BREAK THE CYCLE OF POVERTY THROUGH HOME OWNERSHIP

Program Service Accomplishments

Program 1

Expenses: $360,743

AGING IN PLACE PROGRAM: WE PARTNER WITH FAMILIES, COMMUNITIES AND LOCAL ORGANIZATIONS TO HELP OLDER ADULTS IMPROVE THEIR HOMES AND THEIR QUALITY OF LIFE SO THAT THEY CAN FLOURISH WHERE THEY LIVE. TO GUIDE OUR WORK, HABITAT DEVELOPED HOUSING PLUS, A COMPREHENSIVE AGING IN PLACE STRATEGY. THIS PERSON-CENTERED APPROACH USES TWO DIFFERENT ASSESSMENTS TO TAILOR THE PROCESS TO EACH HOMEOWNERS NEEDS. THESE ASSESSMENTS, WHICH CONSIDER EVERYTHING FROM THE RESIDENTS LIFESTYLE TO THEIR TYPE OF HOME, ALLOW US TO ADDRESS OLDER ADULTS NEEDS HOLISTICALLY, IMPROVING THE LIKELIHOOD THAT THEY CAN AGE IN PLACE. DURING FY2020, STARKVILLE AREA HABITAT FOR HUMANITY HAS IMPROVED APPROXIMATELY 2 HOMES TO HELP OLDER ADULTS MANEUVER MORE EFFICIENTLY.

Program 2

NEIGHBORHOOD REVITALIZATION PROGRAM: THROUGH OUR NEIGHBORHOOD REVITALIZATION WORK, WE TAILOR OUR EFFORTS BY PARTNERING LOCALLY WITH RESIDENTS AND COMMUNITY LEADERS AND ORGANIZATIONS TO BEST ADDRESS THE REAL CONCERNS OF THE COMMUNITY AND IMPROVE THE LIVES OF THE PEOPLE WHO LIVE THERE. USING A DATA-DRIVEN AND CUSTOMIZABLE APPROACH, WE FOCUS ON FIRST UNDERSTANDING THE CONCERNS OF THE RESIDENTS AND THEM EMPOWERING THESE RESIDENTS TO LEAD THE PROJECTS THEY WANT TO SEE. ALONGSIDE HABITAT, RESIDENTS WORK WITH CHURCHES, SCHOOLS, NEW AND LONGSTANDING NEIGHBORHOOD COALITIONS, LOCAN GOVT ENTITIES AND OTHER COMMUNITY PARTNERS TO ACHIEVE THEIR GOALS. BECAUSE EACH NEIGHBORHOODS CHALLENGES AND ASPIRATIONS ARE DIFFERENT, THE FRAMEWORK ACTS AS GUIDE THAT CAN BE TAILORED TO THE GOALS OF EACH COMMUNITY. THATS WHY NEIGHBORHOOD REVITALIZATION CAN LOOK LIKE ANYTHING FROM DEVELOPING PUBLIC PARKS TO ORGANIZING SAFETY MEETINGS WITH THE LOCAL POLICE DEPARTMENT TO REHABBING AND REOPENING SC

Program 3

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWENER FAMILYS NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS INSTEAD OF HINDERS-HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY S

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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 $207,722

Program Service Revenue $299,877

Investment Income $531

Other Revenue $12,207

TOTAL REVENUE $520,337

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,826

Fundraising Expenses $0

Program Expenses $360,743

Other Expenses $162,917

TOTAL EXPENSES $360,743

Year-over-Year Comparison

	2024	2023	Change
Revenue	$520,337	$396,737	+0.3%
Expenses	$360,743	$333,679	+0.1%
Net Income	$159,594	$63,058	+1.5%

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

N/A

Employees

Volunteers

N/A

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

$30,000

Total Directors