HABITAT FOR HUMANITY OF NORTH LOUISIANA INC (EIN 721262553) - 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

1994

Legal Domicile

Principal Officer

JUSTIN UNDERWOOD

Phone

3183238003

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF NORTH LOUISIANA INC, founded in 1994, is a small nonprofit that reported $505K in total revenue in fiscal year 2024. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $96K, a strong 19% operating margin.

Mission

TO PROVIDE HOUSING TO UNDERPRIVILEGED INDIVIDUALS.

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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 $311,434

Program Service Revenue $148,200

Investment Income $35,893

Other Revenue $9,404

TOTAL REVENUE $504,931

Expense Breakdown

Grants Paid $7,932

Salaries & Benefits $113,593

Fundraising Expenses $48,488

Program Expenses $304,368

Other Expenses $287,364

TOTAL EXPENSES $408,889

Year-over-Year Comparison

	2024	2023	Change
Revenue	$504,931	$376,659	+0.3%
Expenses	$408,889	$342,492	+0.2%
Net Income	$96,042	$34,167	+1.8%

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

263

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

$77,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE SCAMMAHORN	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES ANZELMO	DIRECTOR	1.00	Director	$0	$0	$0
BECKY PULLIN	DIRECTOR	1.00	Director	$0	$0	$0
ANDY YARBROUGH	DIRECTOR	1.00	Director	$0	$0	$0
DESMUND LIGHTEN	DIRECTOR	1.00	Director	$0	$0	$0
NANCY HUNT	DIRECTOR	1.00	Director	$0	$0	$0
CORBIN LEGG	DIRECTOR	1.00	Director	$0	$0	$0
STEVE STORY	DIRECTOR	1.00	Director	$0	$0	$0
H THURSTON ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL NEWCOMER	DIRECTOR	1.00	Director	$0	$0	$0
PAM JONES	DIRECTOR	1.00	Director	$0	$0	$0
TODD PYLES	DIRECTOR	1.00	Director	$0	$0	$0
ARNETRA KING	DIRECTOR	1.00	Director	$0	$0	$0
RICK WHIDDON	DIRECTOR	1.00	Director	$0	$0	$0
KATHY GARDNER	EXECUTIVE DIRECTOR	40.00	Officer	$77,000	$0	$77,000
FRED MONROE	TREASURER	2.00	Officer	$0	$0	$0
JUSTIN UNDERWOOD	CHAIRMAN	2.00	Officer	$0	$0	$0
JON MCCARTNEY	VICE CHAIRMAN	2.00	Officer	$0	$0	$0
BRENDA JOHNSON	SECRETARY	2.00	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
2025	$504,931	$408,889	$1,338,137	$96,042
2024	$376,659	$342,492	$1,255,926	$34,167
2023	$272,785	$207,521	$1,243,031	$65,264
2021	$778,960	$361,628	$2,033,930	$417,332
2019	$148,069	$257,489	$1,768,886	$-109,420
2018	$420,126	$521,936	$1,890,729	$-101,810

HABITAT FOR HUMANITY OF NORTH LOUISIANA INC