HABITAT FOR HUMANITY OF TN INC

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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

2003

Legal Domicile

Phone

6155121922

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF TN INC, founded in 2003, is a mid-sized nonprofit that reported $12.9M in total revenue in fiscal year 2024. Revenue surged 1746% from the prior year, signaling strong growth momentum. Expenses of $12.4M left a modest 4% surplus.

Mission

TO BE A STATEWIDE RESOURCE DEVELOPMENT AND SUPPORT ORGANIZATION, ADVOCATING FOR, AND ADVANCING THE WORK OF TENNESSEE'S 38 HABITAT FOR HUMANITY AFFILIATES THAT SERVE OVER 60 COUNTIES BY BUILDING STRENGTH, STABILITY AND SELF-RELIANCE IN PARTNERSHIP WITH INDIVIDUALS AND FAMILIES IN NEED OF DECENT AND AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $12,119,934

DEVELOPING PARTNERSHIPS TO BRING FUNDING, PEOPLE, SUPPLIES, AND TECHNOLOGY TO LOCAL TN HABITAT AFFILIATES IN ORDER TO BROADEN OUR IMPACT ON THE HOUSING NEEDS OF OUR NEIGHBORS. 29 GRANTS WERE PROVIDED...

Program 2

Expenses: $106,920

PROVIDING EDUCATION AND TECHNICAL ASSISTANCE THROUGH THE ANNUAL STATE 3-DAY CONFERENCE, MANDATORY OSHA TRAINING CLASSES FOR CONSTRUCTION SUPERVISION, OSHA TRAINING FOR RESTORE OPERATORS, ADVOCACY...

PROVIDING EDUCATION AND TECHNICAL ASSISTANCE THROUGH THE ANNUAL STATE 3-DAY CONFERENCE, MANDATORY OSHA TRAINING CLASSES FOR CONSTRUCTION SUPERVISION, OSHA TRAINING FOR RESTORE OPERATORS, ADVOCACY EDUCATION, AND ONGOING TECHNICAL ASSISTANCE FOR TENNESSEE HABITAT AFFILIATES.

Program 3

Expenses: $40,851

RAISING AWARENESS ON HOUSING ISSUES BY SERVING AS A LIASON, THOUGHT-LEADER, AND POLICY ADVISOR TO LAWMAKERS, ELECTED OFFICIALS, AND STATE AGENCIES.

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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 $12,664,405

Program Service Revenue $140,354

Investment Income $56,259

Other Revenue $0

TOTAL REVENUE $12,861,018

Expense Breakdown

Grants Paid $12,010,209

Salaries & Benefits $264,207

Fundraising Expenses $20,217

Program Expenses $12,267,705

Other Expenses $96,844

TOTAL EXPENSES $12,371,260

Year-over-Year Comparison

	2024	2023	Change
Revenue	$12,861,018	$696,844	+17.5%
Expenses	$12,371,260	$789,137	+14.7%
Net Income	$489,758	$-92,293	-6.3%

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

N/A

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

$139,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COLLEEN DUDLEY	Executive Dir.	40.00	Officer	$139,500	$0	$139,500
PENNY JUDD	Chairman	1.00	Officer Director	$0	$0	$0
RYAN WILLIAMS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TERRI SHULTZ	Secretary	1.00	Officer Director	$0	$0	$0
SPENCER PRATT	Treasurer	1.00	Officer Director	$0	$0	$0
BRIAN BILLS	PAST CHAIR	1.00	Officer Director	$0	$0	$0
JAMIE BERRY	AT LARGE	1.00	Director	$0	$0	$0
REGINA HARVEY	AT LARGE	1.00	Director	$0	$0	$0
AMY MARTIN	AT LARGE	1.00	Director	$0	$0	$0
BECKY MASSEY	AT LARGE	1.00	Director	$0	$0	$0
BARRY TIDWELL	AT LARGE	1.00	Director	$0	$0	$0
KEVIN TOWNSEL	AT LARGE	1.00	Director	$0	$0	$0
DWAYNE SPENCER	DISTRICT REP	1.00	Director	$0	$0	$0
GARY PASCHALL	DISTRICT REP	1.00	Director	$0	$0	$0
LAUREN PAYNE	DISTRICT REP	1.00	Director	$0	$0	$0
KIM RANDELL	DISTRICT REP	1.00	Director	$0	$0	$0
KATE RITCHIE	DISTRICT REP	1.00	Director	$0	$0	$0
JENS CHRISTENSEN	DISTRICT REP	1.00	Director	$0	$0	$0
VANESSA PETTY	DISTRICT REP	1.00	Director	$0	$0	$0
LAURA KELLY	DISTRICT REP	1.00	Director	$0	$0	$0
ANNA ENGLESTAD	DISTRICT REP	1.00	Director	$0	$0	$0
KELLEY WILLIAMS	DISTRICT REP	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	$12,861,018	$12,371,260	$2,366,080	$489,758
2024	$696,844	$789,137	$630,040	$-92,293
2023	$806,469	$1,088,743	$697,380	$-282,274
2022	$1,032,620	$1,281,323	$1,205,501	$-248,703
2021	$1,907,438	$855,905	$1,277,079	$1,051,533
2020	$647,624	$636,625	$118,471	$10,999
2019	$645,567	$644,825	$227,172	$742
2018	$630,063	$630,195	$177,430	$-132