STILLWATER HABITAT FOR HUMANITY INC (EIN 731371689) - 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

1990

Legal Domicile

Phone

4053770403

Tax Period

2024-07-01 to 2025-06-30

STILLWATER HABITAT FOR HUMANITY INC, founded in 1990, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $542K, a strong 52% operating margin.

Mission

TO SHARE THE GOSPEL OF JESUS CHRIST THROUGH THE MINISTRY OF HOME BUILDING, TO THE END THAT ALL PERSONS OF ALL RACES, CLASSES AND FAITHS WORK IN PARTNERSHIP TO ERADICATE POVERTY HOUSING.

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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 $942,698

Program Service Revenue $60,592

Investment Income $13,793

Other Revenue $17,414

TOTAL REVENUE $1,034,497

Expense Breakdown

Grants Paid $0

Salaries & Benefits $268,259

Fundraising Expenses $8,092

Program Expenses $434,320

Other Expenses $223,922

TOTAL EXPENSES $492,181

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,034,497	$812,558	+0.3%
Expenses	$492,181	$843,872	-0.4%
Net Income	$542,316	$-31,314	-18.3%

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

400

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
JEREMY FREEMAN	Vice President	2.00	Officer Director	$0	$0	$0
LARRY SWINNEY	Treasurer	4.00	Officer Director	$0	$0	$0
SCOTT SHIPMAN	Director	0.00	Director	$0	$0	$0
JAN ANDERSON	Director	0.00	Director	$0	$0	$0
STEPHEN MITCHELL	President	3.00	Officer Director	$0	$0	$0
SCOTT JONES	Director	0.00	Director	$0	$0	$0
AMY JO DEARINGER	Secretary	1.00	Officer Director	$0	$0	$0
CY BOLES	Director	0.00	Director	$0	$0	$0
JAY CHEEVES	Director	0.00	Director	$0	$0	$0
MONTIE STEWART	Director	1.00	Director	$0	$0	$0
JAY MCRAE	Director	0.00	Director	$0	$0	$0
JASON EGNOR	Director	0.00	Director	$0	$0	$0
MARISSA PLUMLEE	RESTORE MANAGER	0.00		$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	$1,034,497	$492,181	$2,538,428	$542,316
2024	$812,558	$843,872	$1,931,535	$-31,314
2023	$833,631	$841,061	$1,977,493	$-7,430
2022	$878,473	$595,203	$1,984,841	$283,270
2021	$941,560	$732,271	$1,762,776	$209,289
2020	$724,016	$609,851	$1,556,498	$114,165
2019	$846,633	$818,352	$1,392,676	$28,281

STILLWATER HABITAT FOR HUMANITY INC