Nevada County Habitat For Humanity (EIN 680383595) - 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

1996

Legal Domicile

Phone

5302741951

Tax Period

2024-07-01 to 2025-06-30

Nevada County Habitat For Humanity, founded in 1996, is a small nonprofit in the Housing & Shelter sector that reported $788K in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $724K left a modest 8% surplus.

Mission

Building decent affordable homes in partnership with local families who qualify.

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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 $380,155

Program Service Revenue $36,770

Investment Income $60,037

Other Revenue $310,969

TOTAL REVENUE $787,931

Expense Breakdown

Grants Paid $0

Salaries & Benefits $391,698

Fundraising Expenses $164,231

Program Expenses $489,679

Other Expenses $332,426

TOTAL EXPENSES $724,124

Year-over-Year Comparison

	2024	2023	Change
Revenue	$787,931	$1,158,897	-0.3%
Expenses	$724,124	$631,143	+0.1%
Net Income	$63,807	$527,754	-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

143

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

$99,951

Total Directors

$99,951

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lorraine Larson	Executive Dir.	40.00	Officer Director	$99,951	$0	$99,951
Rick Panos	Vice President	3.00	Officer Director	$0	$0	$0
John Scott	Treasurer	3.00	Officer Director	$0	$0	$0
Richard Schiaroni	Director	3.00	Director	$0	$0	$0
Bill Croker	Director	3.00	Officer Director	$0	$0	$0
Ray Baldock	Director	3.00	Director	$0	$0	$0
Andy Kramer	Imm Past Pres	3.00	Officer Director	$0	$0	$0
Mike Roman	Secretary	3.00	Director	$0	$0	$0
Dina Rubino	President	3.00	Officer 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	$787,931	$724,124	$5,046,006	$63,807
2024	$1,158,897	$631,143	$5,092,936	$527,754
2023	$672,431	$494,169	$4,730,063	$178,262
2022	$751,607	$439,870	$3,645,036	$311,737
2021	$791,402	$403,564	$3,303,574	$387,838
2020	$869,835	$481,330	$3,098,854	$388,505
2019	$859,912	$343,611	$2,951,693	$516,301
2018	$734,586	$331,342	$2,397,936	$403,244

Nevada County Habitat For Humanity