RUTHERFORD COUNTY AREA HABITAT FOR HUMANITY INC (EIN 943099406) - 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

1989

Legal Domicile

Phone

6158905877

Tax Period

2024-07-01 to 2025-06-30

RUTHERFORD COUNTY AREA HABITAT FOR HUMANITY INC, founded in 1989, is a community nonprofit in the Housing & Shelter sector that reported $6.5M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.1M, a strong 17% operating margin.

Mission

TO PROVIDE VERY LOW INCOME FAMILIES WITH SIMPLE, DECENT HOUSING

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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 $1,760,836

Program Service Revenue $4,613,145

Investment Income $55,324

Other Revenue $27,351

TOTAL REVENUE $6,456,656

Expense Breakdown

Grants Paid $0

Salaries & Benefits $913,262

Fundraising Expenses $89,744

Program Expenses $4,854,808

Other Expenses $4,419,425

TOTAL EXPENSES $5,332,687

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,456,656	$4,640,851	+0.4%
Expenses	$5,332,687	$3,684,335	+0.4%
Net Income	$1,123,969	$956,516	+0.2%

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

1440

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

$112,115

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRI SHULTZ	CHIEF EXECUTIVE OFFICER	40.00	Officer	$112,115	$0	$112,115
RENEE BARKER	DIRECTOR	1.00	Director	$0	$0	$0
DAN BOBO	DIRECTOR	1.00	Director	$0	$0	$0
NORMAN BROWN	DIRECTOR	1.00	Director	$0	$0	$0
CARRIE BETH CATRON	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN BJORK	DIRECTOR	1.00	Director	$0	$0	$0
TOM HOOPER	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN CROCKETT	DIRECTOR	1.00	Director	$0	$0	$0
MARY BETH HAGAN	DIRECTOR	1.00	Director	$0	$0	$0
STEVE WARREN	DIRECTOR	1.00	Director	$0	$0	$0
SHELBY HUNTON	DIRECTOR	1.00	Director	$0	$0	$0
JEFF YOUNGINER	DIRECTOR	1.00	Director	$0	$0	$0
MIQUEL VEGA	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD LUNEACK	ADVISOR	1.00	Director	$0	$0	$0
DANA WOMACK	DIRECTOR	1.00	Director	$0	$0	$0
REGINA HARVEY	DIRECTOR	1.00	Director	$0	$0	$0
ALECIA TORRANCE	DIRECTOR	1.00	Director	$0	$0	$0
MARK LEE	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAN MAYBERRY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
HOLLIS HULETT	TREASURER	2.00	Officer Director	$0	$0	$0
ANN HOKE	SECRETARY	2.00	Officer 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	$6,456,656	$5,332,687	$12,905,806	$1,123,969
2024	$4,640,851	$3,684,335	$7,390,365	$956,516
2023	$2,867,836	$2,995,706	$7,407,023	$-127,870
2022	$3,652,833	$3,366,619	$7,853,347	$286,214
2021	$2,651,306	$2,393,167	$6,933,760	$258,139
2020	$2,632,222	$1,801,190	$7,051,781	$831,032
2019	$2,940,369	$2,653,140	$5,769,083	$287,229

RUTHERFORD COUNTY AREA HABITAT FOR HUMANITY INC