HABITAT FOR HUMANITY OF KEY WEST A… - 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

1993

Legal Domicile

Principal Officer

JOE MOODY

Phone

3052949006

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF KEY WEST AND LOWER FLORIDA KEYS INC, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $5.4M in total revenue in fiscal year 2024. Revenue surged 170% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 26% operating margin.

Mission

HABITAT FOR HUMANITY OF KEY WEST AND LOWER FLORIDA KEYS IS A NON-PROFIT VOLUNTEER ORGANIZATION WHOSE PURPOSE IS TO PROVIDE DECENT, LOW COST AND AFFORDABLE HOUSING THROUGHOUT THE LOWER FLORIDA KEYS BY PROVIDING NEW HOME CONSTRUCTION, RESTORATION AND EMERGENCY RESIDENTIAL REPAIRS FOR THE ECONOMICALLY DISADVANTAGE.

Program Service Accomplishments

Program 1

Expenses: $2,339,380 Revenue: $1,266,530

THE ORGANIZATION PROVIDES DECENT LOW COST AND AFFORDABLE HOUSING THROUGH NEW HOME CONSTRUCTION, RESTORATION AND EMERGENCY RESIDENTIAL REPAIRS FOR THE ECONOMICALLY DISADVANTAGED. IN 2025, THE...

THE ORGANIZATION PROVIDES DECENT LOW COST AND AFFORDABLE HOUSING THROUGH NEW HOME CONSTRUCTION, RESTORATION AND EMERGENCY RESIDENTIAL REPAIRS FOR THE ECONOMICALLY DISADVANTAGED. IN 2025, THE ORGANIZATION SOLD 4 HOMES AND REPAIRED APPROXIMATELY 4 HOMES. THE ORGANIZATION HAS APPROXIMATELY 3.2 MILLION IN CONSTRUCTION IN PROGRESS ACCROSS VARIOUS JOB SITES, SET FOR COMPLETION IN THE NEXT TWO YEARS.

Program 2

Expenses: $309,421 Revenue: $364,056

THE ORGANIZATION OFFERS AFFORDABLE RENTAL PROPERTIES FOR THOSE INDIVIDUALS WHO QUALIFY IN ACCORDANCE WITH THE ORGANIZATION'S INCOME GUIDELINES. THE ORGANIZATION CURRENTLY HAS APPROXIMATELY 29 UNITS FOR RENT IN TWO BUILDINGS THAT ARE CURRENTLY BEING RENOVATED. THE ORGANIZATION HAD APPROXIMATELY 76% OF THE UNITS RENTED AS OF YEAR END.

Program 3

Expenses: $106,277 Revenue: $479,635

THE ORGANIZATION PROVIDES MORTGAGE AND FAMILY SERVICES TO HOMEOWNERS AS WELL AS SERVICES TO VOLUNTEERS.

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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 $1,448,909

Program Service Revenue $2,110,221

Investment Income $66,604

Other Revenue $1,787,653

TOTAL REVENUE $5,413,387

Expense Breakdown

Grants Paid $0

Salaries & Benefits $331,010

Fundraising Expenses $53,542

Program Expenses $2,755,078

Other Expenses $3,663,578

TOTAL EXPENSES $3,994,588

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,413,387	$2,008,621	+1.7%
Expenses	$3,994,588	$1,569,073	+1.5%
Net Income	$1,418,799	$439,548	+2.2%

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
JOE MOODY	PRES/CHAIRPE	3.00	Officer Director	$0	$0	$0
DEBBIE BATTY	VICE CHAIR	3.00	Officer Director	$0	$0	$0
NICHOLAS WAHRER	TREASURER	3.00	Officer Director	$0	$0	$0
DONNA MOORE	SECRETARY	2.00	Officer Director	$0	$0	$0
LYNDA WOODS	BOARD MEMBER	2.00	Director	$0	$0	$0
DEVON AYERS	BOARD MEMBER	2.00	Director	$0	$0	$0
BILLY DAVIS	BOARD MEMBER	2.00	Director	$0	$0	$0
AL ALTUVE	BOARD MEMBER	2.00	Director	$0	$0	$0
JAYLIN MORAWSKI	BOARD MEMBER	2.00	Director	$0	$0	$0
PETER RYSMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
CHRIS RIVETT	BOARD MEMBER	2.00	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	$5,413,387	$3,994,588	$12,559,846	$1,418,799
2024	No data	No data	No data	No data
2023	$6,186,470	$3,899,484	$10,566,325	$2,286,986
2022	$6,290,973	$6,098,219	$7,494,321	$192,754
2021	$4,232,924	$2,785,097	$7,209,148	$1,447,827
2020	$1,437,869	$1,598,409	$5,818,077	$-160,540
2019	$5,356,793	$6,202,180	$5,027,025	$-845,387
2018	$1,905,095	$922,676	$5,481,656	$982,419

HABITAT FOR HUMANITY OF KEY WEST AND LOWER FLORIDA KEYS INC