HABITAT FOR HUMANITY (EIN 721372550) - 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

1997

Legal Domicile

Principal Officer

TONY GRANTHAM

Phone

2565744138

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY, founded in 1997, is a micro nonprofit that reported $4K in total revenue in fiscal year 2018. Revenue fell 80% from the prior year — a significant decline worth monitoring. Expenses of $13K exceeded revenue, resulting in a 205% operating deficit.

Mission

PROVIDING DECENT SHELTER FOR PEOPLE IN NEED AT A REASONABLE COST.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $5

Other Revenue $0

TOTAL REVENUE $5

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $453,038

Other Expenses $456,555

TOTAL EXPENSES $456,555

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5	$24,273	-1.0%
Expenses	$456,555	$6,941	+64.8%
Net Income	$-456,550	$17,332	-27.3%

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

N/A

Volunteers

N/A

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
TONY GRANTHAM	PRESIDENT	7.00	Officer Director	$0	$0	$0
PAT RUSIDOFF	VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
MELISSA VICKERS	TREASURER	5.00	Officer Director	$0	$0	$0
BRENDA MCSHEEHAN	SECRETARY	5.00	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
2024	$5	$456,555	No data	$-456,550
2023	$24,273	$6,941	$487,420	$17,332
2022	$9,026	$14,895	$631,292	$-5,869
2021	$13,547	$9,910	$701,591	$3,637
2020	$15,753	$8,779	$679,999	$6,974
2019	$4,224	$12,868	$680,956	$-8,644

HABITAT FOR HUMANITY