Habitat for Humanity of Southwest Montana (EIN 810486051) - 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

Phone

4067828579

Tax Period

2023-07-01 to 2024-06-30

Habitat for Humanity of Southwest Montana is a small nonprofit that reported $343K in total revenue in fiscal year 2023. Revenue fell 23% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $135K, a strong 39% operating margin.

Mission

To provide affordable housing to low-income families.

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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 $60,067

Program Service Revenue $207,364

Investment Income $6

Other Revenue $75,919

TOTAL REVENUE $343,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,484

Fundraising Expenses $0

Program Expenses $194,830

Other Expenses $75,341

TOTAL EXPENSES $208,825

Year-over-Year Comparison

	2023	2022	Change
Revenue	$343,356	$444,084	-0.2%
Expenses	$208,825	$547,996	-0.6%
Net Income	$134,531	$-103,912	-2.3%

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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Carol Wohlman	Chairman	1.00	Officer Director	$0	$0	$0
Bob Brock	Director	1.00	Director	$0	$0	$0
Sheri Broudy	Director	1.00	Director	$0	$0	$0
Sarah Crain	Director	1.00	Director	$0	$0	$0
Barbara Miller	Executive Dir.	10.00	Officer Director	$0	$0	$0
Jon Sesso	Treasurer	1.00	Officer Director	$0	$0	$0
Mike Boysza	Vice President	1.00	Officer Director	$0	$0	$0
Diana Kujawa	Director	0.00	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	$343,356	$208,825	$436,863	$134,531
2023	$444,084	$547,996	$325,591	$-103,912
2022	$253,536	$214,602	$390,955	$38,934
2021	$263,333	$281,340	$382,354	$-18,007
2020	$200,900	$293,706	$286,277	$-92,806
2019	$267,851	$360,564	$280,747	$-92,713
2018	$441,447	$491,841	$399,473	$-50,394

Habitat for Humanity of Southwest Montana