HABITAT FOR HUMANITY CALAVERAS (EIN 680288226) - 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

1993

Legal Domicile

Tax Period

2022-07-01 to 2023-06-30

HABITAT FOR HUMANITY CALAVERAS, founded in 1993, is a small nonprofit that reported $586K in total revenue in fiscal year 2022. Revenue surged 74% from the prior year, signaling strong growth momentum. Expenses of $548K left a modest 7% surplus.

Mission

THE ORGANIZATION BUILDS AND ASSISTS WITH MAINTENANCE OF AFFORDABLE HOUSING FOR WORKING POOR IN CALAVERAS COUNTY, CALIFORNIA. HABIATAT FOR HUMANITY CALAVERAS IS AN AFFILIATE OF HABITAT FOR HUMANITY INTERNATIONAL, WHICH OPERATES WORLDWIDE WITH THE SAME GOAL.

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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 (2022)

Revenue Breakdown

Contributions & Grants $319,202

Program Service Revenue $164,389

Investment Income $24,330

Other Revenue $78,390

TOTAL REVENUE $586,311

Expense Breakdown

Grants Paid $0

Salaries & Benefits $192,776

Fundraising Expenses $8,478

Program Expenses $496,872

Other Expenses $355,149

TOTAL EXPENSES $547,925

Year-over-Year Comparison

	2022	2021	Change
Revenue	$586,311	$336,642	+0.7%
Expenses	$547,925	$293,782	+0.9%
Net Income	$38,386	$42,860	-0.1%

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

$55,785

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LYNN AYERS	EXECUTIVE DIRECTOR	40.00	Key Emp	$55,785	$0	$55,785
TIM OSKEY	DIRECTOR	0.00	Director	$0	$0	$0
TOM DANIELSON	DIRECTOR	0.00	Director	$0	$0	$0
BOB NICHOLUS	DIRECTOR	0.00	Director	$0	$0	$0
DAVID SWEET	DIRECTOR	0.00	Director	$0	$0	$0
TODD PETERSON	DIRECTOR	0.00	Director	$0	$0	$0
SHARON CUFF	DIRECTOR	0.00	Director	$0	$0	$0
KATHY CAMPBELL	DIRECTOR	0.00	Director	$0	$0	$0
DIANE FOLLAIN	VICE PRESIDENT	0.00	Officer	$0	$0	$0
GREG SMITH	PRESIDENT	0.00	Officer	$0	$0	$0
ROB JARVI	SECRETARY	0.00	Officer	$0	$0	$0
PAM ELLIOT	TREASURER	0.00	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
2024	No data	No data	No data	No data
2023	$586,311	$547,925	$2,431,598	$38,386
2022	$336,642	$293,782	$2,428,839	$42,860
2021	$537,564	$269,831	$2,281,698	$267,733
2020	$539,343	$532,955	$1,982,749	$6,388
2019	$1,798,350	$656,460	$1,972,775	$1,141,890
2018	$574,754	$665,727	$824,729	$-90,973

HABITAT FOR HUMANITY CALAVERAS