Twin Cities Habitat for Humanity
Nonprofit profile at a glance
- EIN
- 363363171
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024, Form 990-T 2024
- Location
- St. Paul, MN, USA
- Phone
- (612) 331-4000
- Rating
- 91
- Verdict
- STRONG
- Rating confidence
- Standard
Reported finances
- Revenue
- $41,669,226
- Expenses
- $53,546,833
- Assets
- $128,497,867
- Liabilities
- $58,907,697
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
43 people listed
Executive titles in this filing
- CHRISTOPHER COLEMAN (PRESIDENT)
Highest reported compensation
- CHRISTOPHER COLEMAN (PRESIDENT): $447,344 total reported compensation
- ROBYN AILEEN BIPES-TIMM (CHIEF STRATEGY & OPERATIONS OFFICER): $352,616 total reported compensation
- CATHERINE LAWRENCE (CHIEF OF STAFF (THRU 04/01/25)): $302,547 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.
What it reported doing in 2024
Other program services: tc habitat and its cdfi tchfh lending, inc. Use down payment assistance support to homebuyers by participating in two region-wide down payment assistance programs. Clients outside of the tc habitat homeownership program received dpa support in the form of forgivalbe and repayable loans, and post-purchase coaching and savings subsidies. Through these programs, 152 additional first-time homebuyers were supported in purchasing their first home. Preserving homeownership focuses on helping existing homeowners remain in their homes. A brush with kindness provides painting and home repair services to qualifying low-income homeowners struggling to maintain their homes. Priority is given to aging homeowners, veterans, those with disabilities, and single parents. A brush with kindness partnered with 20 local homeowners in fy 2025. More than 2,000 paint and repair projects have been completed since a brush with kindness was started in 1998. Tc habitat also preserves homeownership through a mortgage foreclosure prevention program. The program serves homeowners facing foreclosure by providing hud-certified foreclosure counseling support, free financial reviews and referrals. It puts homeowners on a path toward housing and financial stability. 140 clients received mortgage foreclosure counseling through this program in fy 2025.
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 97% 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: 86
- Transparency & Controls: 100
- Accountability: 100
- Sustainability: 31
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 83.3%; rating input score 83
- Fundraising efficiency: $6.45 raised per $1 spent on fundraising; rating input score 26; 26th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
- Pay-setting controls: 6 of 6 controls in place; rating input score 100
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Pass
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- 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: Yes; rating input score 100
Accountability
- Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
- Governance controls: 9 of 9 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: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: -28.5%; rating input score 3; 3rd percentile among comparable filings
- Total-asset coverage ratio: 2.4; rating input score 68; 68th percentile among comparable filings
- Liabilities to assets ratio: 0.46; rating input score 32; 32nd percentile among comparable filings
- Officer compensation ratio: 4.8%; rating input score 52; 52nd percentile among comparable filings
Growth
- Program expense growth: 8.8% per year; rating input score 100; 66th percentile among comparable filings
- Revenue growth: 7.3% per year; rating input score 100; 61st percentile among comparable filings
- Asset growth: 6.3% per year; rating input score 100; 44th percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 100% of revenue deployed · 83.3% of spending went to programs
- Governance: 30 of 30 board members independent · 9 of 9 filing controls reported
- Programs: 4 filed program accomplishments · $44.6M in reported program spending
- Leadership: top reported pay $447K · 43 people listed · 6 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $9.1M reported
- Consistency: 36 of 36 current checks pass
- Schedules: 10 filed schedules · includes major donors, grants, executive pay, and related organizations
- Filing history: 15 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 12 filed money-flow records
- Related organizations: 4 filed related-organization links
- 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.
- High — Financial Efficiency: Fundraising efficiency scored 26/100.
- High — Sustainability: Operating margin scored 3/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 32/100.
- Review — Sustainability: Officer compensation ratio scored 52/100.