Habitat for Humanity of Elkhart County
Legal name: Habitat for Humanity of Elkhart Cou
Nonprofit profile at a glance
- EIN
- 351685313
- IRS 990 coverage
- 2014–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Goshen, IN, United States
- Phone
- 574-533-6109
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Affiliation
- Christianity
Reported finances
- Revenue
- $5,046,478
- Expenses
- $4,022,778
- Assets
- $12,081,538
- Liabilities
- $1,508,293
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
15 people listed
Highest reported compensation
- GREG CONRAD (EXECUTIVE DI): $180,369 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Since 1986, Habitat for Humanity of Elkhart County has been part of a global, nonprofit housing organization operated on Christian principles that seek to put God's love into action by building homes, communities, and hope. Habitat for Humanity of Elkhart County is dedicated to eliminating substandard housing locally and worldwide through constructing, rehabilitating and preserving homes; by advocating for fair and just housing policies; and by providing training and access to resources to help families improve their shelter conditions. Habitat for Humanity was founded on the conviction that every man, woman, and child should have a simple, durable place to live in dignity and safety, and th.
What it reported doing in 2025
To strengthen our community by building simple, decent homes in partnership with hardworking families in need, along with volunteers and donors from all walks of life. Eight homes were completed and sold to low-income families under interest free contracts.
Operating model
- Revenue model
- Donor-supported. 60% of the money available for current operations came from contributions and gifts.
- Distribution model
- Direct operator. The filing allocates 100% 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
SUPPORTED - 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 some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 71
- Transparency & Controls: 70
- Accountability: 95
- Sustainability: 67
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 68.3%; rating input score 68
- Program expense ratio: 84.3%; rating input score 84
- Fundraising efficiency: $15.25 raised per $1 spent on fundraising; rating input score 50; 50th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: 1 of 6 controls in place; rating input score 17
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- 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: 7 of 8 controls in place; rating input score 88
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 20.3%; rating input score 73; 73rd percentile among comparable filings
- Total-asset coverage ratio: 3; rating input score 70; 70th percentile among comparable filings
- Liabilities to assets ratio: 0.12; rating input score 44; 44th percentile among comparable filings
- Officer compensation ratio: 4.5%; rating input score 60; 60th percentile among comparable filings
Growth
- Program expense growth: 11.9% per year; rating input score 100; 67th percentile among comparable filings
- Revenue growth: 13.6% per year; rating input score 100; 76th percentile among comparable filings
- Asset growth: 11.4% per year; rating input score 100; 63rd percentile among comparable filings
Details
- What they do: 4 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 68.3% of revenue deployed · 84.3% of spending went to programs
- Governance: 15 of 15 board members independent · 7 of 8 filing controls reported
- Programs: 2 filed program accomplishments · $3.4M in reported program spending
- Leadership: top reported pay $180K · 15 people listed · 1 of 6 pay-setting controls reported
- Consistency: 34 of 34 current checks pass
- Schedules: 7 filed schedules · includes major donors and executive pay
- Filing history: 12 filing years from 2014 to 2025
- 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.
- Review — Financial Efficiency: Fundraising efficiency scored 50/100.
- Review — Accountability: Governance controls: Other executive compensation review process not reported.
- Moderate — Sustainability: Liabilities to assets ratio scored 44/100.