Civic Intelligence

Habitat for Humanity of Schenectady County Inc

EIN 14-1765200 • 501(c)3 • Schenectady, NY

Profile

Building and rehabilitation of family housing

115 BroadwaySchenectady, NY 12305

www.schenectadyhabitat.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

59th percentile

0.12x

Higher debt load relative to assets than 59% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

79th percentile

0.46x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

26th percentile

-6.8%

Higher net margin than 26% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

38th percentile

0.1%

Faster asset growth than 38% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

91st percentile

92%

Faster revenue growth than 91% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$4,248,944

Up $4,285 (+0.1%) from 2024

Liabilities

Up

$524,783

Up $14,022 (+2.7%) from 2024

Net Assets

Down

$3,724,161

Down $9,737 (-0.3%) from 2024

Operations
Liabilities / Revenue79th percentileNet Margin26th percentile

Revenue

Up

$1,143,064

Up $546,179 (+92%) from 2024

Expenses

Up

$1,221,343

Up $313,837 (+35%) from 2024

Net Income

Up

-$78,279

Up $232,342 (+75%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2011: $2,884,306Liabilities 2011: $731,582Net Assets 2011: $2,152,7242011Assets 2012: $3,689,892Liabilities 2012: $1,752,407Net Assets 2012: $1,937,4852012Assets 2013: $3,329,051Liabilities 2013: $1,319,976Net Assets 2013: $2,009,0752013Assets 2014: $3,107,377Liabilities 2014: $982,279Net Assets 2014: $2,125,0982014Assets 2015: $2,599,628Liabilities 2015: $1,002,196Net Assets 2015: $1,597,4322015Assets 2016: $2,442,174Liabilities 2016: $596,137Net Assets 2016: $1,846,0372016Assets 2017: $2,466,873Liabilities 2017: $433,580Net Assets 2017: $2,033,2932017Assets 2018: $2,636,486Liabilities 2018: $468,929Net Assets 2018: $2,167,5572018Assets 2019: $3,196,078Liabilities 2019: $683,096Net Assets 2019: $2,512,9822019Assets 2020: $3,343,242Liabilities 2020: $702,955Net Assets 2020: $2,640,2872020Assets 2021: $3,658,845Liabilities 2021: $766,335Net Assets 2021: $2,892,5102021Assets 2022: $4,113,347Liabilities 2022: $595,650Net Assets 2022: $3,517,6972022Assets 2023: $4,396,654Liabilities 2023: $474,613Net Assets 2023: $3,922,0412023Assets 2024: $4,244,659Liabilities 2024: $510,761Net Assets 2024: $3,733,8982024Assets 2025: $4,248,944Liabilities 2025: $524,783Net Assets 2025: $3,724,1612025

Highlighted filing

2025

Assets$4,248,944
Liabilities$524,783
Net Assets$3,724,161
Open 2025 Filing

Operations Trend

Revenue Growth91st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $876,932Expenses 2011: $827,492Net Income 2011: $49,4402011Revenue 2012: $623,450Expenses 2012: $838,689Net Income 2012: -$215,2392012Revenue 2013: $935,875Expenses 2013: $864,285Net Income 2013: $71,5902013Revenue 2014: $684,530Expenses 2014: $568,507Net Income 2014: $116,0232014Revenue 2015: $1,538,907Expenses 2015: $925,051Net Income 2015: $613,8562015Revenue 2016: $1,004,559Expenses 2016: $755,954Net Income 2016: $248,6052016Revenue 2017: $1,169,901Expenses 2017: $876,655Net Income 2017: $293,2462017Revenue 2018: $928,487Expenses 2018: $794,223Net Income 2018: $134,2642018Revenue 2019: $1,219,186Expenses 2019: $873,761Net Income 2019: $345,4252019Revenue 2020: $768,329Expenses 2020: $687,687Net Income 2020: $80,6422020Revenue 2021: $791,069Expenses 2021: $661,972Net Income 2021: $129,0972021Revenue 2022: $1,054,633Expenses 2022: $620,330Net Income 2022: $434,3032022Revenue 2023: $948,848Expenses 2023: $675,638Net Income 2023: $273,2102023Revenue 2024: $596,885Expenses 2024: $907,506Net Income 2024: -$310,6212024Revenue 2025: $1,143,064Expenses 2025: $1,221,343Net Income 2025: -$78,2792025

Highlighted filing

2025

Revenue$1,143,064
Expenses$1,221,343
Net Income-$78,279
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,248,944
Liabilities
$524,783
Net assets
$3,724,161
Revenue
$1,143,064
Expenses
$1,221,343
Net income
-$78,279
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.25$0.52$3.72$1.14$1.22$0.08
2024Summary only. Only limited summary data is available for this year.$4.24$0.51$3.73$0.60$0.91$0.31
2023Summary only. Only limited summary data is available for this year.$4.40$0.47$3.92$0.95$0.68$0.27
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.11$0.60$3.52$1.05$0.62$0.43
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.66$0.77$2.89$0.79$0.66$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.34$0.70$2.64$0.77$0.69$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.20$0.68$2.51$1.22$0.87$0.35
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.64$0.47$2.17$0.93$0.79$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.47$0.43$2.03$1.17$0.88$0.29
2016Summary only. Only limited summary data is available for this year.$2.44$0.60$1.85$1.00$0.76$0.25
2015Summary only. Only limited summary data is available for this year.$2.60$1.00$1.60$1.54$0.93$0.61
2014Summary only. Only limited summary data is available for this year.$3.11$0.98$2.13$0.68$0.57$0.12
2013Summary only. Only limited summary data is available for this year.$3.33$1.32$2.01$0.94$0.86$0.07
2012Summary only. Only limited summary data is available for this year.$3.69$1.75$1.94$0.62$0.84$0.22
2011Summary only. Only limited summary data is available for this year.$2.88$0.73$2.15$0.88$0.83$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 17, 2025
Return Version
2024v5.0
Gross Receipts
$1,155,497
Mission and Program Overview

Mission

Habitat for Humanity of Schenectady County, Inc. (the Organization) is a not-for-profit organization dedicated to improving the quality of life for individuals and the community by building and rehabilitating homes and enabling families to become capable, committed, responsible homeowners. The Organization is affiliated with Habitat for Humanity International and is governed by its own bylaws and Board of Directors. Programs for construction and rehabilitation are funded through cooperative sponsorships with other organizations, both not-for-profit and for-profit, or by internally directed funds. Funding consists of grants, cash donations, in-kind donations of services and materials, sale of promotional merchandise and organization-directed fundraising initiatives.Prospective homeowners are evaluated by a Board-appointed selection committee and are required to meet specific financial and personal criteria. Financial criteria include necessary financial resources needed to maintain the

Habitat for humanity of schenectady county, inc. (the organization) is a not-for-profit organization dedicated to improving the quality of life for individuals and the community by building and rehabilitating homes and enabling families to become capable, committed, responsible homeowners. The organization is affiliated with habitat for humanity international and is governed by its own bylaws and board of directors. Programs for construction and rehabilitation are funded through cooperative sponsorships with other organizations, both not-for-profit and for-profit, or by internally directed funds. Funding consists of grants, cash donations, in- kind donations of services and materials, sale of promotional merchandise and organization-directed fundraising initiatives. Prospective homeowners are evaluated by a board-appointed selection committee and are required to meet specific financial and personal criteria. Financial criteria include necessary financial resources needed to maintain th

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,208,297$1,409,037▲ $200,740
Savings and Temporary Cash Investments$852,980$793,885▼ $59,095
Cash and Non-Interest-Bearing Accounts$214,957$506,256▲ $291,299
Land, Buildings, and Equipment, Net$404,021$393,023▼ $10,998
Accounts Receivable$160,980$124,676▼ $36,304
Inventories for Sale or Use$60,353$73,000▲ $12,647
Pledges and Grants Receivable$251,350$70,000▼ $181,350
Prepaid Expenses and Deferred Charges$25,628$34,806▲ $9,178
Total Assets$4,244,659$4,248,944▲ $4,285
Other Assets Total$1,066,093$844,261▼ $221,832
Liabilities
Other Liabilities$301,149$282,736▼ $18,413
Accounts Payable and Accrued Expenses$153,167$191,583▲ $38,416
Escrow Account Liability$56,445$50,464▼ $5,981
Total Liabilities$510,761$524,783▲ $14,022
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,605,606$3,598,692▼ $6,914
Net Assets With Donor Restrictions$128,292$125,469▼ $2,823
Total Net Assets Fund Balance$3,733,898$3,724,161▼ $9,737
Total Liabilities and Net Assets / Fund Balance$4,244,659$4,248,944▲ $4,285

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$383,906$142,880$526,786
Equipment$9,117$63,039$72,156
Other Assets Org$264,659--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Kathy FernandezExecutive DiFT$67,437$67,437

Board Members and Trustees

NameTitle
Mark MilanesePresident
Barb Bishop WardDirector
Bethany M DixonDirector
Dr Deshawn McgarrityDirector
Fabayo EgunbunmiDirector
Kristine MooreDirector
Naytia RobinsonDirector
Ray LegereDirector
Sylvia JimisonDirector
Lew DufortSecretary
Miriam CajusteTreasurer
Bill LeveringVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$653,686
Program Service Revenue
$422,798
Investment Income
$61,662
Other Revenue
$4,918
All Other Contributions
$491,793
Change in Net Assets
$-78,279

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,132,416
Revenue Not Reported on Financial Statements
$10,648
Revenue Not Reported on Form 990
$68,542
Total Revenue per Audited Statements
$1,200,958
Total Revenue per Form 990
$1,143,064
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$770,023
Salaries, Compensation, and Employee Benefits$451,320
Total Fundraising Expense$31,001
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$288,627$12,115$12,115$312,857
Current Officers, Directors, Trustees, and Key Employees$62,214$2,611$2,612$67,437
Fees for Services Accounting-$59,851-$59,851
Fees for Services Other$16,901$32,899-$49,800
Office Expenses$22,342$21,766$881$44,989
Other Employee Benefits$41,073$1,721$1,721$44,515
Insurance$5,895$35,801-$41,696
All Other Expenses$9,646$9,371$7,590$26,607
Payroll Taxes$24,457$1,027$1,027$26,511
Occupancy$17,393$3,017-$20,410
Travel$15,587--$15,587
Depreciation Depletion$13,743$1,675-$15,418
Other Expenses$17,823$15,000-$15,000
Fees for Service Investment Mgmnt Fees-$10,648-$10,648
Conferences and Meetings-$10,347-$10,347
Information Technology--$5,055$5,055
Total Functional Expenses$951,160$239,182$31,001$1,221,343

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,221,343
Expenses per Audited Statements$1,210,695
Total Expenses per Audited Statements$1,210,695
Expenses Not Reported on Financial Statements$10,648
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Liability on Transferred Mortgages$282,736
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“A draft copy of the 990 is distributed to each board member for their review before the 990 is filed.”

Form 990, Page 6, Part VI, Line 12C

“Directors are required to sign document stating they have read and understood the policy and must state any real of apparent conflicts of interest on an annual basis.”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity
EIN
14-1765200
Phone
5183953412
Address
115 BROADWAY, SCHENECTADY, NY 12305

Signing Officer

Name
Kathy Fernandez
Title
Executive Director
Phone
5183953412
Signed
2025-12-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathy Fernandez
Formed
1993
Legal Domicile
Ny
Voting Board Members
12
Independent Board Members
12
Employees
9
Volunteers
450

Preparer

Firm
Cusack & Company Cpas LLC
Address
7 AIRPORT PARK BLVD, LATHAM, NY 12110
Preparer
John a Criscone CPA
Phone
5187863550
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Habitat for humanity of schenectady county, inc. (the organization) is a not-for-profit organization dedicated to improving the quality of life for individuals and the community by building and rehabilitating homes and enabling families to become capable, committed, responsible homeowners. The organization is affiliated with habitat for humanity international and is governed by its own bylaws and board of directors. Programs for construction and rehabilitation are funded through cooperative sponsorships with other organizations, both not-for-profit and for-profit, or by internally directed funds. Funding consists of grants, cash donations, in- kind donations of services and materials, sale of promotional merchandise and organization-directed fundraising initiatives. Prospective homeowners are evaluated by a board-appointed selection committee and are required to meet specific financial and personal criteria. Financial criteria include necessary financial resources needed to maintain the home and debt-to-equity qualifying requirements. Homeowner personal requirements include residency verification; substantiation of the need for adequate housing based on current substandard or hazardous living conditions, and the ability of potential homeowner's willingness to participate in the construction requirements with physical labor or "sweat equity". Accepted homeowners are sold their houses with financing arranged through the organization.”

Financial Statement Notes

Schedule D, Page 3, Part X

“The organization has not recognized any benefits or liabilities from uncertain tax positions in the current year.”

Raw XML AppendixShowing 400 of 490 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0HABITAT FOR HUMANITY OF SCHENECTADY COUNTY, INC. (THE ORGANIZATION) IS A NOT-FOR-PROFIT ORGANIZATION DEDICATED TO IMPROVING THE QUALITY OF LIFE FOR INDIVIDUALS AND THE COMMUNITY BY BUILDING AND REHABILITATING HOMES AND ENABLING FAMILIES TO BECOME CAPABLE, COMMITTED, RESPONSIBLE HOMEOWNERS. THE ORGANIZATION IS AFFILIATED WITH HABITAT FOR HUMANITY INTERNATIONAL AND IS GOVERNED BY ITS OWN BYLAWS AND BOARD OF DIRECTORS. PROGRAMS FOR CONSTRUCTION AND REHABILITATION ARE FUNDED THROUGH COOPERATIVE SPONSORSHIPS WITH OTHER ORGANIZATIONS, BOTH NOT-FOR-PROFIT AND FOR-PROFIT, OR BY INTERNALLY DIRECTED FUNDS. FUNDING CONSISTS OF GRANTS, CASH DONATIONS, IN- KIND DONATIONS OF SERVICES AND MATERIALS, SALE OF PROMOTIONAL MERCHANDISE AND ORGANIZATION-DIRECTED FUNDRAISING INITIATIVES. PROSPECTIVE HOMEOWNERS ARE EVALUATED BY A BOARD-APPOINTED SELECTION COMMITTEE AND ARE REQUIRED TO MEET SPECIFIC FINANCIAL AND PERSONAL CRITERIA. FINANCIAL CRITERIA INCLUDE NECESSARY FINANCIAL RESOURCES NEEDED TO MAINTAIN TH
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IRS990/Form990PartVIISectionAGrp/PersonNm0KATHY FERNANDEZ
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