HABITAT FOR HUMANITY OF SOUTHERN SANTA BARBARA COUNTY (EIN 770518264) - 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

2000

Legal Domicile

Principal Officer

JESSICA WISHAN

Phone

8056922226

Tax Period

2023-07-01 to 2024-06-30

HABITAT FOR HUMANITY OF SOUTHERN SANTA BARBARA COUNTY, founded in 2000, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2023. Revenue decreased 5% compared to the prior year. Net assets of $19.0M represent 136 months of operating reserves.

Mission

TO CREATE DECENT, AFFORDABLE HOUSING FOR THOSE IN NEED AND TO MAKE SHELTER A MATTER OF CONSCIENCE WITH PEOPLE EVERYWHERE.

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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 $1,298,094

Program Service Revenue $0

Investment Income $356,126

Other Revenue $18,455

TOTAL REVENUE $1,672,675

Expense Breakdown

Grants Paid $70,000

Salaries & Benefits $899,209

Fundraising Expenses $279,239

Program Expenses $1,191,790

Other Expenses $800,377

TOTAL EXPENSES $1,769,586

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,672,675	$1,766,200	-0.1%
Expenses	$1,769,586	$1,162,269	+0.5%
Net Income	$-96,911	$603,931	-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

512

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

$267,620

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANET BURKI	PRESIDENT	3.00	Officer Director	$0	$0	$0
JAN HUBBELL	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
TONY MORAIN	SECRETARY	0.50	Officer Director	$0	$0	$0
RHYS MORRIS	TREASURER (7/1/23-2/7/24)	0.38	Officer Director	$0	$0	$0
LYNDA RADKE	TREASURER (3/24/24-6/30/24)	0.50	Officer Director	$0	$0	$0
DALE FATHE-AAZAM	DIRECTOR	0.38	Director	$0	$0	$0
MAUREEN MCDERMUT	DIRECTOR	0.38	Director	$0	$0	$0
STUART GLENN	DIRECTOR	0.38	Director	$0	$0	$0
LORA FISHER	DIRECTOR	3.00	Director	$0	$0	$0
TRACY STOUFFER	DIRECTOR	0.38	Director	$0	$0	$0
RONNIE LIN	DIRECTOR	0.38	Director	$0	$0	$0
ELIZABETH KEATE	DIRECTOR	0.38	Director	$0	$0	$0
GARY HOPKINS	DIRECTOR	0.38	Director	$0	$0	$0
LISA CARLOS	DIRECTOR	0.38	Director	$0	$0	$0
IAN JAMES WILDMAN	DIRECTOR	0.50	Director	$0	$0	$0
GABE ESCOBEDO	DIRECTOR	0.38	Director	$0	$0	$0
CAROLINE ADAMS	DIRECTOR (7/1/23-2/7/24)	0.38	Director	$0	$0	$0
JESSICA WISHAN	CEO	40.00	Officer	$148,292	$22,712	$171,004
JAMES ROGGERO	DIRECTOR OF FINANCE	40.00	Officer	$95,333	$1,283	$96,616
JOHN C SILVA	MANAGER OF HOME REPAIRS	40.00	Highest	$106,059	$26,336	$132,395

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	$1,672,675	$1,769,586	$20,683,450	$-96,911
2023	$1,766,200	$1,162,269	$19,433,431	$603,931
2022	$695,802	$914,251	$17,644,526	$-218,449
2021	$17,533,569	$2,412,926	$21,177,514	$15,120,643
2020	$919,305	$1,334,596	$4,559,263	$-415,291
2019	$2,216,682	$1,665,198	$5,532,983	$551,484
2018	$1,745,604	$1,232,729	$5,399,059	$512,875

HABITAT FOR HUMANITY OF SOUTHERN SANTA BARBARA COUNTY