HABITAT FOR HUMANITY OF UPPER KEYS INC (EIN 650169353) - 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

RICHARD ENGEL

Phone

3054530050

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF UPPER KEYS INC, founded in 1989, is a community nonprofit in the Housing & Shelter sector that reported $2.9M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $2.8M left a modest 4% surplus.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. THE HABITAT FOR HUMANITY OF UPPER KEYS ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT BASE AN OFFER OF ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

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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 $1,075,814

Program Service Revenue $1,388,086

Investment Income $342,235

Other Revenue $106,112

TOTAL REVENUE $2,912,247

Expense Breakdown

Grants Paid $0

Salaries & Benefits $436,758

Fundraising Expenses $6,853

Program Expenses $2,535,239

Other Expenses $2,347,782

TOTAL EXPENSES $2,784,540

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,912,247	$2,694,559	+0.1%
Expenses	$2,784,540	$1,344,732	+1.1%
Net Income	$127,707	$1,349,827	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD ENGEL	PRESIDENT	2.00	Officer Director	$0	$0	$0
DAVE HELWIG	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
JUAN HIDALGO	TREASURER	2.00	Officer Director	$0	$0	$0
CARLOS PEREZ	ASSISTANT TR	2.00	Officer Director	$0	$0	$0
MIKE MARTIN	SECRETARY	2.00	Officer Director	$0	$0	$0
CARLA BHAN	ASSISTANT SE	2.00	Officer Director	$0	$0	$0
LISA COAKLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
TONY HAMMOND	BOARD MEMBER	1.00	Director	$0	$0	$0
SUSAN LATHAM	BOARD MEMBER	1.00	Director	$0	$0	$0
HUNTER O'CONNOR	BOARD MEMBER	1.00	Director	$0	$0	$0
CLAYTON PARKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS EVERHART	BOARD MEMBER	1.00	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	$2,912,247	$2,784,540	$14,726,111	$127,707
2024	$2,694,559	$1,344,732	$14,573,378	$1,349,827
2023	$2,996,666	$3,769,917	$14,207,330	$-773,251
2022	$5,982,038	$834,185	$13,913,590	$5,147,853
2021	$1,339,495	$1,169,118	$8,891,660	$170,377
2020	$1,152,589	$997,764	$8,672,980	$154,825
2019	$1,488,168	$346,518	$8,455,742	$1,141,650
2018	$1,012,325	$296,326	$6,926,358	$715,999

HABITAT FOR HUMANITY OF UPPER KEYS INC