HABITAT FOR HUMANITY IN WHATCOM COUNTY (EIN 911409512) - 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

1988

Legal Domicile

Principal Officer

JON EDHOLM

Phone

3607159170

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY IN WHATCOM COUNTY, founded in 1988, is a community nonprofit that reported $3.3M in total revenue in fiscal year 2024. Expenses of $4.0M exceeded revenue, resulting in a 23% operating deficit.

Mission

HABITAT FOR HUMANITY IN WHATCOM COUNTY IS COMMITTED TO ELIMINATING SUBSTANDARD HOUSING THROUGH THE BUILDING OF SAFE, DECENT, AFFORDABLE HOMES. SINCE IT STARTED SERVING WHATCOM COUNTY IN 1988, IT HAS COMPLETED 52 HOMES AND HOUSED MORE THAN 188 WHATCOM RESIDENTS.

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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 $2,447,838

Program Service Revenue $52,853

Investment Income $12,637

Other Revenue $747,152

TOTAL REVENUE $3,260,480

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,394,259

Fundraising Expenses $327,886

Program Expenses $3,495,334

Other Expenses $2,628,852

TOTAL EXPENSES $4,023,111

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,260,480	$3,277,854	0.0%
Expenses	$4,023,111	$3,244,510	+0.2%
Net Income	$-762,631	$33,344	-23.9%

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

3437

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

$154,907

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEN LAMPE	PRESIDENT	4.00	Officer Director	$0	$0	$0
MARLIN HENDRICKS	VICE PRESIDENT	4.00	Officer Director	$0	$0	$0
KENT CHASSON	SECRETARY	4.00	Officer Director	$0	$0	$0
DUSTIN BRUMLEY	TREASURER	4.00	Officer Director	$0	$0	$0
CHRISTINA MAGINNIS	DIRECTOR	1.00	Director	$0	$0	$0
GREG ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MOON	EXECUTIVE DIRECTOR	40.00	Officer	$135,292	$0	$135,292
JON EDHOLM	CHIEF FINANCIAL OFFICER	32.00	Officer	$0	$0	$0
MARILYN NOLTE	CONTROLLER	40.00	Officer	$19,615	$0	$19,615

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	$3,260,480	$4,023,111	$6,247,898	$-762,631
2024	$3,277,854	$3,244,510	$6,639,232	$33,344
2023	$2,462,628	$2,081,714	$4,271,655	$380,914
2022	$1,637,188	$1,217,386	$3,496,525	$419,802
2021	$1,667,156	$1,225,407	$2,643,291	$441,749
2019	$1,490,475	$1,372,151	$1,764,962	$118,324
2018	$1,337,875	$1,366,436	$1,381,922	$-28,561

HABITAT FOR HUMANITY IN WHATCOM COUNTY