HABITAT FOR HUMANITY MONTEREY BAY (EIN 770206356) - 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

Phone

8314694663

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY MONTEREY BAY, founded in 1989, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2023. Revenue fell 20% from the prior year — a significant decline worth monitoring.

Mission

Our mission is to build decent, affordable homes and provide home ownership opportunities to qualified families in Santa Cruz and Monterey Counties.

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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 $2,723,665

Program Service Revenue $2,424,926

Investment Income $6,337

Other Revenue $0

TOTAL REVENUE $5,154,928

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,509,226

Fundraising Expenses $282,622

Program Expenses $4,848,771

Other Expenses $4,002,473

TOTAL EXPENSES $5,511,699

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,154,928	$6,463,150	-0.2%
Expenses	$5,511,699	$5,789,055	0.0%
Net Income	$-356,771	$674,095	-1.5%

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

254

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

$279,072

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SATISH RISHI	CEO	40.00	Officer	$160,688	$0	$160,688
DAVID TAUSHECK	DIR. OF FINANCE	40.00	Officer	$118,384	$0	$118,384
LYNDSEY MARKS	DEVELOPMENT DIR.	40.00		$118,060	$0	$118,060
KEATON PORT GAARN	CONSTRUCTION MAN.	40.00		$117,693	$0	$117,693
DYLAN CHILDS	CONSTRUCTION	40.00		$107,141	$0	$107,141
NICK KITE	RESTORE MANAGER	40.00		$101,124	$0	$101,124
DOUG MAHOME	BOARD MEMBER	2.00	Director	$0	$0	$0
Kevin Donnelly	Treasurer	2.00	Officer Director	$0	$0	$0
GABE SANDERS	Director	2.00	Director	$0	$0	$0
Doug Yount	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
KATHY AROLA	Vice Chair	2.00	Officer Director	$0	$0	$0
DAVID TORRES	Board Member	2.00	Officer Director	$0	$0	$0
RICARDO DE LA CRUZ	BOARD MEMBER	2.00	Director	$0	$0	$0
Kendra Howell	BOARD MEMBER	2.00	Director	$0	$0	$0
Delmy Cardoza	BOARD MEMBER	2.00	Director	$0	$0	$0
KELLY STRACKE	BOARD MEMBER	2.00	Director	$0	$0	$0
MARK THOMAS	BOARD MEMBER	2.00	Director	$0	$0	$0
MAXWELL SINCLAIR	BOARD MEMBER	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	$5,154,928	$5,511,699	$4,230,489	$-356,771
2023	$6,463,150	$5,789,055	$5,447,240	$674,095
2022	$5,333,087	$5,029,824	$6,184,490	$303,263
2021	$3,185,688	$2,886,468	$6,296,631	$299,220
2020	$4,336,200	$4,057,265	$5,196,886	$278,935
2019	$3,330,559	$3,356,776	$3,809,433	$-26,217
2018	$4,092,265	$4,122,449	$3,666,063	$-30,184

HABITAT FOR HUMANITY MONTEREY BAY