BEACHES HABITAT FOR HUMANITY INC

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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

1990

Legal Domicile

Principal Officer

STEVE GILBERT

Phone

9042411222

Tax Period

2024-07-01 to 2025-06-30

BEACHES HABITAT FOR HUMANITY INC, founded in 1990, is a community nonprofit in the Housing & Shelter sector that reported $1.9M in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Net assets of $8.0M represent 50 months of operating reserves.

Mission

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

Program Service Accomplishments

Program 1

Expenses: $1,278,686 Revenue: $393,083

BEACHES HABITAT FOR HUMANITY IS AN INDEPENDENT AFFILIATE OF HABITAT FOR HUMANITY INTERNATIONAL. BEACHES HABITAT'S PRIMARY PROGRAMS INCLUDE BUILDING NEW HOMES, RENOVATING AND REPAIRING EXISTING HOMES FOR FAMILIES IN NEED FOR EASTERN DUVAL COUNTY FLORIDA AND PARTICULARLY, THE BEACHES COMMUNITIES OF ATLANTIC BEACH, NEPTUNE BEACH, AND JACKSONVILLE BEACH. FOR FISCAL YEAR ENDED JUNE 30, 2025, A TOTAL OF 44 HOMES ARE IN PROCESS OF BEING BUILT. THESE HOMES ARE SOLD TO WORKING LOW-INCOME FAMILIES WHO QUALIFED FOR THE HOME OWNERSHIP PROGRAM AND PURCHASED THEIR HOMES WITH A 30 YEAR INTEREST FREE MORTGAGE HELD BY THE AFFILIATE. THE AFFILIATE ALSO PARTNERS WITH THE CITY OF ATLANTIC BEACH TO PROVIDE EDUCATIONAL AND AFTER SCHOOL ACTIVITIES.

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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 $1,386,135

Program Service Revenue $393,083

Investment Income $27,360

Other Revenue $102,389

TOTAL REVENUE $1,908,967

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,091,478

Fundraising Expenses $83,171

Program Expenses $1,278,686

Other Expenses $812,906

TOTAL EXPENSES $1,904,384

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,908,967	$2,086,799	-0.1%
Expenses	$1,904,384	$2,040,245	-0.1%
Net Income	$4,583	$46,554	-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

662

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

$270,469

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRI COHEN	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
GREG GRIFFIN	SECRETARY	2.00	Officer Director	$0	$0	$0
TERRI WALTON	MARKETING CH	2.00	Officer Director	$0	$0	$0
JUSTIN CERRATO	LAND & CONST	2.00	Officer Director	$0	$0	$0
CAROLYN MATHIS	FUND DEV. CH	2.00	Officer Director	$0	$0	$0
MICHAEL BINACO	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE GODFREY	DIRECTOR	2.00	Director	$0	$0	$0
JUSTIN HESTERLEE	DIRECTOR	2.00	Director	$0	$0	$0
DAVID HOPPENS	DIRECTOR	2.00	Director	$0	$0	$0
SEAN MCGARVEY	DIRECTOR	2.00	Director	$0	$0	$0
JEFF MCPHAUL	DIRECTOR	2.00	Director	$0	$0	$0
BRENT PARIS	DIRECTOR	2.00	Director	$0	$0	$0
MARTHA SHAFER	DIRECTOR	2.00	Director	$0	$0	$0
KYLE VINCENT	DIRECTOR	2.00	Director	$0	$0	$0
RICK WESTERMAN	DIRECTOR	2.00	Director	$0	$0	$0
JACOB WRIGHT	DIRECTOR	2.00	Director	$0	$0	$0
ARCHIE JENKINS	DIRECTOR EME	2.00	Director	$0	$0	$0
STEVE GILBERT	EXECUTIVE DI	40.00	Officer	$132,934	$0	$132,934
KIMBERLY CHAMBERLAIN	CFO	40.00	Officer	$37,500	$0	$37,500
DEBORAH JONES	FORMER CFO	40.00	Officer	$100,035	$0	$100,035

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	$1,908,967	$1,904,384	$9,472,888	$4,583
2024	No data	No data	No data	No data
2023	$2,175,416	$2,548,360	$9,552,266	$-372,944
2022	$2,572,675	$1,811,628	$10,100,729	$761,047
2021	$4,646,385	$3,473,353	$9,583,992	$1,173,032
2020	$2,568,668	$2,305,260	$8,866,034	$263,408
2019	$3,907,314	$4,719,798	$8,020,306	$-812,484
2018	$4,392,050	$3,766,516	$8,985,330	$625,534