HABITAT FOR HUMANITY (EIN 710776139) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1995

Legal Domicile

Principal Officer

TODD GREEN

Phone

5016235600

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY, founded in 1995, is a small nonprofit that reported $747K in total revenue in fiscal year 2017. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $168K, a strong 22% operating margin.

Mission

PROVIDE HOUSING FOR NEEDY FAMILIES

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $274,191

Program Service Revenue $0

Investment Income $104,683

Other Revenue $474,538

TOTAL REVENUE $853,412

Expense Breakdown

Grants Paid $382,472

Salaries & Benefits $266,922

Fundraising Expenses $0

Program Expenses $491,873

Other Expenses $140,150

TOTAL EXPENSES $789,544

Year-over-Year Comparison

	2024	2023	Change
Revenue	$853,412	$849,511	+0.0%
Expenses	$789,544	$761,821	+0.0%
Net Income	$63,868	$87,690	-0.3%

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

2317

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
CHRIS DUNKEL	BOARD MEMBER	N/A	Director	$0	$0	$0
SUSAN CURRY	BOARD MEMBER	N/A	Director	$0	$0	$0
JOY BLACK	SECRETARY	N/A	Director	$0	$0	$0
STEVE TRUSTY	TREASURER	N/A	Director	$0	$0	$0
KAITLYN ATKINS	BOARD MEMBER	N/A	Director	$0	$0	$0
BRUCE COZART	BOARD MEMBER	N/A	Director	$0	$0	$0
DEBBIE UGBADE	BOARD MEMBER	N/A	Director	$0	$0	$0
JACK PORTER	BOARD MEMBER	N/A	Director	$0	$0	$0
JAMES MOORE	BOARD MEMBER	N/A	Director	$0	$0	$0
LEAH MACPHEE	BOARD MEMBER	N/A	Director	$0	$0	$0
MARY CURREY	BOARD MEMBER	N/A	Director	$0	$0	$0
CATHY PENDERGRAFT	BOARD MEMBER	N/A	Director	$0	$0	$0
RAYMOND WRIGHT	VICE PRESIDE	N/A	Director	$0	$0	$0
WALTER SMITH	BOARD MEMBER	N/A	Director	$0	$0	$0
DAVE MASON	BOARD MEMBER	N/A	Director	$0	$0	$0
KRISTEN HERRON	BOARD MEMBER	N/A	Director	$0	$0	$0
TODD GREEN	PRESIDENT	N/A	Director	$0	$0	$0
JOHN ROGERS	BOARD MEMBER	N/A	Director	$0	$0	$0
GLEN PHILLIPS	BOARD MEMBER	N/A	Director	$0	$0	$0
BEAU BRITTON	BOARD MEMBER	N/A	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	$853,412	$789,544	$5,213,969	$63,868
2024	$849,511	$761,821	$5,218,238	$87,690
2023	$1,247,994	$643,789	$5,206,562	$604,205
2022	$942,459	$508,846	$4,424,590	$433,613
2021	$883,634	$651,946	$3,671,799	$231,688
2020	$801,156	$632,233	$3,437,779	$168,923
2019	$690,874	$620,281	$3,100,876	$70,593
2018	$746,991	$579,184	$3,029,437	$167,807

HABITAT FOR HUMANITY