MONTGOMERY COUNTY HABITAT FOR HUMANITY INC (EIN 760276330) - 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

1989

Legal Domicile

Principal Officer

VICKI JOHNSON

Phone

9364414663

Tax Period

2024-07-01 to 2025-06-30

MONTGOMERY COUNTY HABITAT FOR HUMANITY INC, founded in 1989, is a community nonprofit in the Housing & Shelter sector that reported $6.9M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.4M, a strong 35% operating margin.

Mission

TO IMPROVE THE QUALITY OF LIFE IN OUR COMMUNITY BY BUILDING AND RENOVATING HOUSES.

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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 $3,915,880

Program Service Revenue $1,429,625

Investment Income $127,315

Other Revenue $1,410,285

TOTAL REVENUE $6,883,105

Expense Breakdown

Grants Paid $218,210

Salaries & Benefits $1,708,202

Fundraising Expenses $591,212

Program Expenses $3,468,327

Other Expenses $2,522,523

TOTAL EXPENSES $4,448,935

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,883,105	$6,157,349	+0.1%
Expenses	$4,448,935	$5,071,152	-0.1%
Net Income	$2,434,170	$1,086,197	+1.2%

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

954

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

$389,791

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES MERIDIAN	PRES JUL-DEC 2024, DIRECTOR JAN-JUN 2025	3.00	Officer Director	$0	$0	$0
ANDREW WURDACK	SECRETARY JUL-DEC 2024	3.00	Officer Director	$0	$0	$0
AUSTIN ADAMS	TREAS JUL-DEC 2024, SEC JAN-JUN 2025	3.00	Officer Director	$0	$0	$0
MICHAEL BRADBURY	VP JUL-DEC 2024, PRES JAN-JUN 2025	3.00	Officer Director	$0	$0	$0
MARICELA CABALLERO	DIRECTOR JUL-DEC 2024	2.00	Director	$0	$0	$0
ROSS FOLKENROTH	DIRECTOR JUL-DEC 2024, VP JAN-JUN 2025	2.00	Officer Director	$0	$0	$0
JANA MAYBERRY	DIRECTOR JUL-DEC 2024	2.00	Director	$0	$0	$0
BARBARA CARGILL	DIRECTOR JUL 2024-JUN 2025	2.00	Director	$0	$0	$0
BRIAN DENOBLE	DIRECTOR JUL 2024-JUN 2025	2.00	Director	$0	$0	$0
WYMAN FARR	DIRECTOR JUL-DEC 2024	2.00	Director	$0	$0	$0
BRENT KRUEGER	DIRECTOR JUL-DEC 2024, TREAS JAN-JUN 2025	2.00	Officer Director	$0	$0	$0
WILLIAM DEAN	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
TODD DRAKE	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
BRYANT LACH	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
LAURA POWERS	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
MATT POWERS	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
TAYLOR WHITE	DIRECTOR JAN-JUN 2025	2.00	Director	$0	$0	$0
VICKI JOHNSON	EXECUTIVE DIRECTOR	40.00	Officer	$158,542	$14,256	$172,798
IMRAN JOSEPHI	DIRECTOR OF FINANCE/BUSINE	40.00	Officer	$90,198	$6,875	$97,073
ERIK ARMSTRONG	DEPUTY DIRECTOR	40.00	Officer	$108,197	$11,723	$119,920

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	$6,883,105	$4,448,935	$18,827,792	$2,434,170
2024	$6,157,349	$5,071,152	$14,418,991	$1,086,197
2024	No data	No data	No data	No data
2023	$6,936,109	$7,287,228	$13,325,151	$-351,119
2022	$4,774,598	$2,636,780	$13,948,573	$2,137,818
2021	$1,271,995	$1,887,116	$12,262,342	$-615,121
2020	$3,301,625	$2,279,998	$13,014,998	$1,021,627
2019	$3,255,826	$3,147,736	$11,977,579	$108,090
2018	$3,220,040	$1,880,007	$11,991,247	$1,340,033

MONTGOMERY COUNTY HABITAT FOR HUMANITY INC