MIDLAND HABITAT FOR HUMANITY (EIN 752381356) - 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

1991

Legal Domicile

Principal Officer

ARICA GONZALES

Phone

4326868877

Tax Period

2024-07-01 to 2025-06-30

MIDLAND HABITAT FOR HUMANITY, founded in 1991, is a community nonprofit that reported $6.5M in total revenue in fiscal year 2024. Revenue surged 68% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.9M, a strong 44% operating margin.

Mission

Changing lives through affordable home ownership.

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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 $3,682,177

Program Service Revenue $2,746,414

Investment Income $102,543

Other Revenue $16,471

TOTAL REVENUE $6,547,605

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,184,069

Fundraising Expenses $111,604

Program Expenses $3,398,390

Other Expenses $2,498,375

TOTAL EXPENSES $3,682,444

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,547,605	$3,889,006	+0.7%
Expenses	$3,682,444	$3,396,961	+0.1%
Net Income	$2,865,161	$492,045	+4.8%

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

388

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

$138,250

Total Directors

$138,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH HOPKINS	Executive Dir.	40.00	Officer Director	$138,250	$0	$138,250
ARICA GONZALES	President	2.00	Officer Director	$0	$0	$0
BRANDON BEVERSDORF	Vice President	2.00	Officer Director	$0	$0	$0
KENNETH BURGESS	Treasurer	2.00	Officer Director	$0	$0	$0
RAUL STEVENS	Secretary	2.00	Officer Director	$0	$0	$0
STEPHANIE HOUSTON	PAST PRESIDENT	1.00	Director	$0	$0	$0
ELVIE BROWN	Director	1.00	Director	$0	$0	$0
LIZ CARTER	Director	1.00	Director	$0	$0	$0
ROSS FORREST	Director	1.00	Director	$0	$0	$0
ANDREA GOODSON	Director	1.00	Director	$0	$0	$0
BRIDGET GREEN	Director	1.00	Director	$0	$0	$0
AMY HURT	Director	1.00	Director	$0	$0	$0
MICHAEL MCNAMARA	Director	1.00	Director	$0	$0	$0
JORDAN OWENS	Director	1.00	Director	$0	$0	$0
CHRIS RENAUDIN	Director	1.00	Director	$0	$0	$0
RODERICK STRAMBLER	Director	1.00	Director	$0	$0	$0
WES ROBERTSON	Director	1.00	Director	$0	$0	$0
SHERMAN YOUNG	Director	1.00	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	$6,547,605	$3,682,444	$13,207,597	$2,865,161
2024	$3,889,006	$3,396,961	$10,059,835	$492,045
2023	$3,257,352	$2,700,298	$9,506,537	$557,054
2022	$3,986,630	$1,910,338	$9,031,620	$2,076,292
2021	$2,169,120	$1,590,125	$6,823,621	$578,995
2020	$1,859,392	$1,530,752	$6,117,869	$328,640
2019	$1,710,111	$1,505,662	$5,686,893	$204,449

MIDLAND HABITAT FOR HUMANITY