Fort Cavazos Community Habitat for Humanity Inc (EIN 742704483) - 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

Kristin Smith

Phone

2546804007

Tax Period

2024-07-01 to 2025-06-30

Fort Cavazos Community Habitat for Humanity Inc, founded in 1994, is a community nonprofit in the Housing & Shelter sector that reported $1.7M in total revenue in fiscal year 2024. Revenue fell 45% from the prior year — a significant decline worth monitoring. Expenses of $2.1M exceeded revenue, resulting in a 23% operating deficit.

Mission

Place Gods love into action building homescommunity and hope

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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 $1,002,673

Program Service Revenue $654,544

Investment Income $12,470

Other Revenue $15,785

TOTAL REVENUE $1,685,472

Expense Breakdown

Grants Paid $0

Salaries & Benefits $845,954

Fundraising Expenses $2,670

Program Expenses $1,704,228

Other Expenses $1,224,653

TOTAL EXPENSES $2,070,607

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,685,472	$3,041,853	-0.4%
Expenses	$2,070,607	$2,911,472	-0.3%
Net Income	$-385,135	$130,381	-4.0%

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

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

$142,225

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTIN SMITH	CEO	40.00	Key Emp	$142,225	$0	$142,225
DAVID WILLIAMS	Board Member	1.00	Director	$0	$0	$0
MICHAEL PAYNE	Chairman	1.00	Officer Director	$0	$0	$0
LA VONDA LONEY	Secretary	1.00	Officer Director	$0	$0	$0
DORA MORTON	Director	1.00	Director	$0	$0	$0
LOUIS BIRDWELL	Director	1.00	Director	$0	$0	$0
KARA ESCAJEDA	Director	1.00	Director	$0	$0	$0
CHARLES BLOUNT	Treasurer	1.00	Officer Director	$0	$0	$0
MINDY ROGERS	Director	1.00	Director	$0	$0	$0
RAYMOND ALVAREZ	Vice Chairman	1.00	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
2025	$1,685,472	$2,070,607	$1,435,635	$-385,135
2024	$3,041,853	$2,911,472	$1,770,985	$130,381
2023	$2,587,539	$2,188,351	$2,041,584	$399,188
2022	$2,230,524	$2,236,590	$1,942,967	$-6,066
2021	$2,120,072	$2,072,149	$1,689,064	$47,923
2020	$1,847,886	$2,013,289	$1,612,876	$-165,403
2019	$1,346,703	$1,288,792	$2,179,780	$57,911
2018	$1,269,469	$1,245,163	$1,065,073	$24,306

Fort Cavazos Community Habitat for Humanity Inc