Saint Clair County Home Builders Association

Nonprofit profile at a glance

EIN: 631050397
IRS 990-EZ coverage: 2017–2025
Forms available: Form 990 2016, Form 990-EZ 2025
Location: Pell City, AL, USA
Phone: 2058840838
Rating: 70
Verdict: SUPPORTED
Rating confidence: Moderate

Reported finances

Revenue: $63,500
Expenses: $64,267
Assets: $180,285
Liabilities: $1,649

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

10 people listed

Executive titles in this filing

LEO RUSSO (PRESIDENT)

People named in this filing

DAVID THRASHER (PAST PRESIDE)
LEO RUSSO (PRESIDENT)
LACOSTA RICHARDS (EXEC DIR)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Associate with builders within the area for mutual advantage and cooperation.

What it reported doing in 2025

Dues received from each member and associate member and funds from fundraising projects are used to provide assistance to homebuilders association. Any funds left over allows the association to pay dues to the state and national organizations as well as to local schools and to provide christmas for underpriviledged children.

Operating model

Revenue model: Earned-program. 75% of the money available for current operations came from fees and other program revenue.
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

SUPPORTED - The filed numbers largely add up and a large share of available resources goes toward mission work. Expenses are high relative to revenue and assets have declined or grown slowly.

Rating breakdown

Financial Efficiency: 62
Transparency & Controls: 82
Sustainability: 44
Growth: 80

Detailed rating inputs

Financial Efficiency

Mission deployment rate: 59.9%; rating input score 60
Program expense ratio: 65%; rating input score 65

Transparency & Controls

Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
Major donor itemization: Limited

Sustainability

Operating margin: -1.2%; rating input score 40; 40th percentile among comparable filings
Total-asset coverage ratio: 2.81; rating input score 73; 73rd percentile among comparable filings
Liabilities to assets ratio: 0.01; rating input score 25; 25th percentile among comparable filings
Officer compensation ratio: 33.4%; rating input score 6; 6th percentile among comparable filings

Growth

Program expense growth: 4.6% per year; rating input score 100; 60th percentile among comparable filings
Revenue growth: 6.3% per year; rating input score 100; 73rd percentile among comparable filings
Asset growth: -0.3% per year; rating input score 0; 37th percentile among comparable filings

Details

Where the money goes: 59.9% of revenue deployed · 65% of spending went to programs
Governance: Filed governance answers
Accomplishments: 1 filed program accomplishment · $42K in reported program spending
Leadership: top reported pay $0 · 10 people listed
Consistency: 7 of 7 current checks pass
Schedules: 1 filed schedules
Filing history: 9 filing years from 2017 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Moderate — Sustainability: Operating margin scored 40/100.
High — Growth: Asset growth scored 0/100.
High — Sustainability: Officer compensation ratio scored 6/100.
High — Sustainability: Liabilities to assets ratio scored 25/100.