Habitat for Humanity of the Middle Keys Inc
Nonprofit profile at a glance
- EIN
- 650279086
- IRS 990 coverage
- 2011–2025
- Forms available
- Form 990 2025
- Location
- Marathon, FL, USA
- Phone
- 3057439828
- Rating
- 81
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Housing Development, Construction, Management
Reported finances
- Revenue
- $1,096,181
- Expenses
- $917,347
- Assets
- $7,964,416
- Liabilities
- $3,366,070
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
8 people listed
Executive titles in this filing
- Andres Herrera (President)
- Cindy McKnight (Vice President)
- Christine Todd Young (Executive Director)
Highest reported compensation
- Christine Todd Young (Executive Director): $94,187 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Seeking to put Gods 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 of the Middle keys adheres to a strict non-proselytizing policy and will not offer assistance on the express or implied condition that people must adhere to
What it reported doing in 2025
Homeownership 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 familys needs, but small enough to keep construction and maintenance costs affordable. By using labor of volunteers and prospective homeowners, employing efficient building methods, keeping house sizes modesst, using donated construction materials and appliances, and issuing no-profit loans, Habitat makes 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.
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 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.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filed totals do not add up and liabilities are high compared with assets.
Rating breakdown
- Financial Efficiency: 74
- Transparency & Controls: 77
- Accountability: 100
- Sustainability: 64
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 86.5%; rating input score 86
- Program expense ratio: 79.3%; rating input score 79
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 80%; rating input score 80; 1st percentile among comparable filings
- Pay-setting controls: Limited
- 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; 64th 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: 16.3%; rating input score 67; 67th percentile among comparable filings
- Total-asset coverage ratio: 8.68; rating input score 90; 90th percentile among comparable filings
- Liabilities to assets ratio: 0.42; rating input score 14; 14th percentile among comparable filings
- Officer compensation ratio: 10.3%; rating input score 37; 37th percentile among comparable filings
Growth
- Program expense growth: 11.9% per year; rating input score 100; 63rd percentile among comparable filings
- Revenue growth: 10.5% per year; rating input score 100; 63rd percentile among comparable filings
- Asset growth: 7.5% per year; rating input score 100; 46th percentile among comparable filings
Details
- Where the money goes: 86.5% of revenue deployed · 79.3% of spending went to programs
- Governance: 7 of 7 board members independent · 8 of 8 filing controls reported
- Programs: 3 filed program accomplishments · $727K in reported program spending
- Leadership: top reported pay $94K · 8 people listed
- Consistency: 23 of 26 current checks pass · 3 findings to review
- Schedules: 6 filed schedules · includes major donors
- Filing history: 14 filing years from 2011 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Related organizations: 1 filed related-organization link
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
- Moderate — Transparency & Controls: Schedule D expense reconciliation did not reconcile in the filed values.
- Moderate — Transparency & Controls: Schedule D revenue reconciliation did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 14/100.
- Moderate — Sustainability: Officer compensation ratio scored 37/100.