LAUDERDALE COUNTY HABITAT FOR HUMANITY (EIN 640770209) - 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

1989

Legal Domicile

Principal Officer

MONICA BRADLEY

Phone

6014854992

Tax Period

2024-07-01 to 2025-06-30

LAUDERDALE COUNTY HABITAT FOR HUMANITY, founded in 1989, is a micro nonprofit that reported $73K in total revenue in fiscal year 2024. Revenue surged 175% from the prior year, signaling strong growth momentum. Expenses of $191K exceeded revenue, resulting in a 161% operating deficit.

Mission

PROVIDE SUFFICIENT AND ADEQUATE HOUSING FOR THE DISADVANTAGED OF MERIDIAN, MS.

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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 $73,399

Program Service Revenue $0

Investment Income $9

Other Revenue $0

TOTAL REVENUE $73,408

Expense Breakdown

Grants Paid $0

Salaries & Benefits $74,360

Fundraising Expenses $0

Program Expenses $90,354

Other Expenses $116,908

TOTAL EXPENSES $191,268

Year-over-Year Comparison

	2024	2023	Change
Revenue	$73,408	$26,741	+1.7%
Expenses	$191,268	$140,360	+0.4%
Net Income	$-117,860	$-113,619	+0.0%

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

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

Total Directors

$46,120

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRANK WASHINGTON	DIRECTOR	5.00	Director	$0	$0	$0
KEEMONICA JOHNSON	DIRECTOR	5.00	Director	$0	$0	$0
LINDSEY HALL	DIRECTOR	5.00	Director	$0	$0	$0
PATRIC STUBBS	DIRECTOR	5.00	Director	$0	$0	$0
ROB SMITH	DIRECTOR	5.00	Director	$0	$0	$0
MONICA BRADLEY	EXECUTIVE DIRECTOR	40.00	Director	$46,120	$0	$46,120
TRACY ALFORD	VICE PRESIDENT	5.00	Officer	$0	$0	$0
MADELYN MORLAND	TREASURER	5.00	Officer	$0	$0	$0
CELISA COLEMAN	PRESIDENT	5.00	Officer	$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	$73,408	$191,268	$556,640	$-117,860
2024	$26,741	$140,360	$678,911	$-113,619
2023	$115,505	$207,854	$795,315	$-92,349
2022	$88,165	$205,897	$894,732	$-117,732
2021	$118,710	$145,780	$1,038,984	$-27,070
2020	$-8,811	$174,581	$1,070,083	$-183,392
2019	$22,495	$293,176	$1,252,736	$-270,681
2018	$141,467	$386,557	$1,533,931	$-245,090

LAUDERDALE COUNTY HABITAT FOR HUMANITY