Habitat for Humanity Choptank Inc
Nonprofit profile at a glance
- EIN
- 521785188
- IRS 990 coverage
- 2010–2024
- Forms available
- Form 990 2024
- Location
- Trappe, MD, USA
- Phone
- 4104763204
- Rating
- 91
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $6,178,926
- Expenses
- $6,348,431
- Assets
- $12,910,544
- Liabilities
- $4,043,906
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- JODI CAVANAUGH JEWS (PRESIDENT)
- LAMONT GOODSON (VICE PRESIDENT)
- JOANN HANSEN (CHIEF EXECUTIVE OFFICER)
Highest reported compensation
- JOANN HANSEN (CHIEF EXECUTIVE OFFICER): $93,805 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity choptank adheres to a strict non-proselytizing policy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.
What it reported doing in 2024
Howeownerhip program: families in need of a decent place to live build safe and affordable homes in partnership with us. Habitat houses are modestly sized. They are large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs affordable. By using the labor of volunteers and prospective homeowners, employing efficient building methods, keeping house sizes modest, using donated construction materials and appliances, and issuing no-profit loans, habitat make its houses affordable for low-income families to purchase. Affordable homeownership helps create the conditions that free families from instability, stress and fear and encourage self-reliance and confidence. Studies show that strong and stable households are foundational to child development and growth. When a home fosters - instead of hinders - health and safety, families can flourish. Owning an affordable home also allows homeowners to lift up their entire family by saving for their futures and investing in educational opportunities, bolstering job opportunities and career growth. Since the inception of habitat for humanity choptank 30 years ago, we have built 115 homes providing 115 families with a long-term homeownership opportunity. During fiscal year 2025, habitat for humanity choptank sold 12 homes providing these home buyer families with long-term homeownership opportunities.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 98% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 88
- Transparency & Controls: 94
- Accountability: 100
- Sustainability: 43
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 95.6%; rating input score 96
- Program expense ratio: 91.2%; rating input score 91
- Fundraising efficiency: $10.34 raised per $1 spent on fundraising; rating input score 39; 39th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 72nd percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 8 of 8 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -2.7%; rating input score 25; 25th percentile among comparable filings
- Total-asset coverage ratio: 2.03; rating input score 62; 62nd percentile among comparable filings
- Liabilities to assets ratio: 0.31; rating input score 33; 33rd percentile among comparable filings
- Officer compensation ratio: 1.5%; rating input score 78; 78th percentile among comparable filings
Growth
- Program expense growth: 13.6% per year; rating input score 100; 75th percentile among comparable filings
- Revenue growth: 10.2% per year; rating input score 100; 69th percentile among comparable filings
- Asset growth: 11.3% per year; rating input score 100; 63rd percentile among comparable filings
Details
- Where the money goes: 95.6% of revenue deployed · 91.2% of spending went to programs
- Governance: 12 of 12 board members independent · 8 of 8 filing controls reported
- Programs: 3 filed program accomplishments · $5.8M in reported program spending
- Leadership: top reported pay $94K · 13 people listed
- Highest-paid contractors: 4 contractors listed · $835K reported
- Consistency: 39 of 39 current checks pass
- Schedules: 8 filed schedules · includes major donors and grants
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Fundraising efficiency scored 39/100.
- High — Sustainability: Operating margin scored 25/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 33/100.