HABITAT OMAHA AFFORDABLE MORTGAGE SOLUTIONS INC (EIN 871464065) - 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

2021

Legal Domicile

Principal Officer

CHRISTINE TJELMELAND

Phone

4024575657

Tax Period

2024-01-01 to 2024-12-31

HABITAT OMAHA AFFORDABLE MORTGAGE SOLUTIONS INC, founded in 2021, is a mid-sized nonprofit in the Human Services sector that reported $11.8M in total revenue in fiscal year 2024. Revenue surged 652% from the prior year, signaling strong growth momentum. The organization ran a surplus of $10.4M, a strong 88% operating margin.

Mission

PROVIDE AFFORDABLE HOME MORTGAGE FINANCING 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 (2024)

Revenue Breakdown

Contributions & Grants $10,136,740

Program Service Revenue $773,134

Investment Income $916,802

Other Revenue $0

TOTAL REVENUE $11,826,676

Expense Breakdown

Grants Paid $0

Salaries & Benefits $396,095

Fundraising Expenses $0

Program Expenses $1,329,453

Other Expenses $1,005,358

TOTAL EXPENSES $1,401,453

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,826,676	$1,573,385	+6.5%
Expenses	$1,401,453	$1,173,324	+0.2%
Net Income	$10,425,223	$400,061	+25.1%

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

N/A

Employees

N/A

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

$912,125

Total Directors

$912,125

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA BREWER	CHIEF EXECUTIVE OFFICER	6.00	Officer Director	$0	$11,092	$290,979
CHRISTINE TJELMELAND	CHIEF FINANCIAL OFFICER	8.00	Officer Director	$0	$23,083	$236,434
TRACIE MCPHERSON	CHIEF COMMUNICATIONS OFFIC	1.00	Officer Director	$0	$47,225	$209,124
LACEY STUDNICKA	CHIEF PROGRAM OFFICER	6.00	Officer Director	$0	$5,114	$175,588
JOHN HASKE	CHIEF DEVELOPMENT OFFICER	1.00	Highest	$0	$32,555	$249,948
JANNEANE GEROT	SR ORGANIZATIONAL PROJ MGR	5.00	Highest	$0	$3,807	$130,721
JOANNA WRIGHT	SR MORTGAGE OPS MGR	40.00	Highest	$0	$21,062	$126,470

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
2024	$11,826,676	$1,401,453	$43,195,603	$10,425,223
2023	$1,573,385	$1,173,324	$24,590,968	$400,061
2022	$595,038	$595,038	$11,682,746	No data
2021	$410,791	$410,791	$5,032,359	No data

HABITAT OMAHA AFFORDABLE MORTGAGE SOLUTIONS INC