HIGHLAND LAKES HABITAT FOR HUMANITY

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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

BRUCE LOMAX

Phone

8306930700

Tax Period

2023-07-01 to 2024-06-30

HIGHLAND LAKES HABITAT FOR HUMANITY, founded in 1994, is a micro nonprofit in the Housing & Shelter sector that reported $99K in total revenue in fiscal year 2023. Revenue surged 127% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 88% operating margin.

Mission

TO BUILD AND RENOVATE HOMES FOR & IN PARNTERSHIP WITH PEOPLE IN NEED AND TO PROVIDE INTEREST-FREE MORTGAGES TO SUCH PEOPLE SO THAT THEY MAY HAVE DECENT HOUSING IN WHICH TO LIVE.

Program Service Accomplishments

Program 1

Expenses: $6,753 Revenue: $-533

COMPLETED CONSTRUCTION ON HOMES IN PARTNERSHIP WITH LOW-INCOME FAMILIES WITH HOMES SOLD AT NO PROFIT ON AN INTEREST-FREE MORTGAGE - ALL COSTS OF CONSTRUCTION INCURRED THROUGH JUNE 30, 2024 IS...

COMPLETED CONSTRUCTION ON HOMES IN PARTNERSHIP WITH LOW-INCOME FAMILIES WITH HOMES SOLD AT NO PROFIT ON AN INTEREST-FREE MORTGAGE - ALL COSTS OF CONSTRUCTION INCURRED THROUGH JUNE 30, 2024 IS RECORDED IN THE COST OF SALES OR AS CONSTRUCTION IN PROGRESS AS OF JUNE 30, 2024, IF ANY. THREE HOUSES SOLD FY23.

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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 (2023)

Revenue Breakdown

Contributions & Grants $95,032

Program Service Revenue $7,500

Investment Income $-4,118

Other Revenue $200

TOTAL REVENUE $98,614

Expense Breakdown

Grants Paid $200

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,753

Other Expenses $12,029

TOTAL EXPENSES $12,229

Year-over-Year Comparison

	2023	2022	Change
Revenue	$98,614	$43,407	+1.3%
Expenses	$12,229	$10,386	+0.2%
Net Income	$86,385	$33,021	+1.6%

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

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
DAVID WALDO	PRESIDENT	8.00	Officer Director	$0	$0	$0
HARRY BORN	VICE-PRESIDENT	8.00	Officer Director	$0	$0	$0
BRUCE LOMAX	TREASURER	15.00	Officer Director	$0	$0	$0
DAVID NOBLES	SECRETARY	5.00	Officer Director	$0	$0	$0
CELIA MANLOVE	DIRECTOR	6.00	Director	$0	$0	$0
CAROL BARTON	DIRECTOR	2.00	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	No data	No data	No data	No data
2024	$98,614	$12,229	$1,151,151	$86,385
2023	$43,407	$10,386	$1,047,710	$33,021
2019	$88,938	$14,678	$981,195	$74,260
2018	$43,504	$11,907	$905,069	$31,597