Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
EIN 22-2900430 • 501(c)3 • Yarmouth Port, MA
Profile
The mission of habitat for humanity of cape cod is to build homes, hope, lives and community on cape cod in partnership with families in need.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
Liabilities / Revenue
66th percentile
Higher debt load relative to revenue than 66% of similar nonprofits.
Net Margin
17th percentile
Higher net margin than 17% of similar nonprofits.
Top Officer Pay
43rd percentile
Higher top officer pay than 43% of similar nonprofits.
Top officer pay equals 3.8% of source-year revenue.
Asset Growth
31st percentile
Faster asset growth than 31% of similar nonprofits.
Revenue Growth
5th percentile
Faster revenue growth than 5% of similar nonprofits.
Assets
Down$10,910,649
Down $75,733 (-0.7%) from 2024
Liabilities
Up$1,868,943
Up $412,807 (+28%) from 2024
Net Assets
Down$9,041,706
Down $488,540 (-5.1%) from 2024
Revenue
Down$4,423,704
Down $4,303,612 (-49%) from 2024
Expenses
Down$4,929,392
Down $3,907,331 (-44%) from 2024
Net Income
Down-$505,688
Down $396,281 (-362%) from 2024
Most recent year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
The mission of habitat for humanity of cape cod is to build homes, hope, lives and community on cape cod in partnership with families in need.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Inventories for Sale or Use | $4,693,579 | $4,747,993 | ▲ $54,414 |
| Investments in Publicly Traded Securities | $3,591,101 | $3,686,182 | ▲ $95,081 |
| Other Notes and Loans Receivable, Net | $1,113,421 | $1,082,176 | ▼ $31,245 |
| Cash and Non-Interest-Bearing Accounts | $1,178,890 | $1,079,904 | ▼ $98,986 |
| Land, Buildings, and Equipment, Net | $122,827 | $189,412 | ▲ $66,585 |
| Accounts Receivable | $237,435 | $59,731 | ▼ $177,704 |
| Prepaid Expenses and Deferred Charges | $42,420 | $54,041 | ▲ $11,621 |
| Total Assets | $10,986,382 | $10,910,649 | ▼ $75,733 |
| Other Assets Total | $6,709 | $11,210 | ▲ $4,501 |
| Liabilities | |||
| Other Liabilities | $853,768 | $771,244 | ▼ $82,524 |
| Mortgage Notes Payable Secured by Investment Property | $263,399 | $618,514 | ▲ $355,115 |
| Accounts Payable and Accrued Expenses | $222,147 | $356,321 | ▲ $134,174 |
| Escrow Account Liability | $116,822 | $122,864 | ▲ $6,042 |
| Total Liabilities | $1,456,136 | $1,868,943 | ▲ $412,807 |
| Net Assets / Fund Balance | |||
| Net Assets Without Donor Restrictions | $7,364,687 | $6,328,406 | ▼ $1,036,281 |
| Net Assets With Donor Restrictions | $2,165,559 | $2,713,300 | ▲ $547,741 |
| Total Net Assets Fund Balance | $9,530,246 | $9,041,706 | ▼ $488,540 |
| Total Liabilities and Net Assets / Fund Balance | $10,986,382 | $10,910,649 | ▼ $75,733 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $2,556 | $165,603 | $168,159 |
| Leasehold Improvements | $109,317 | $39,541 | $148,858 |
| Other Land Buildings | $77,539 | $39,283 | $116,822 |
| Period | Beginning | Contrib. | Gain/Loss | Other Uses | End |
|---|---|---|---|---|---|
| 2024 | $393,506 | - | ▲ $30,916 | - | $424,422 |
| 2023 | $357,577 | - | ▲ $35,929 | - | $393,506 |
| 2022 | $331,009 | - | ▲ $26,568 | - | $357,577 |
| 2021 | $364,014 | - | ▼ $33,005 | - | $331,009 |
| 2020 | $356,752 | - | ▲ $62,228 | $54,966 | $364,014 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Wendy Cullinan | President & | FT | $155,120 | $12,651 | $167,771 |
| Wendy Cullinan | President & CEO | - | $155,120 | $12,651 | $167,771 |
| Mary Campbell | COO | FT | $119,734 | $11,589 | $131,323 |
| Robert Ryley | Director of Const | FT | $119,455 | $3,584 | $123,039 |
| Name | Title |
|---|---|
| Peter Kimball | Chairman |
| Lynn Johnson | Vice Chair |
| Carol a Forgione | Director |
| Daniel Whiting | Director |
| Matthew Anderson | Director |
| Melissa Wheeler | Director |
| Michelle Meagher | Director |
| Peter Polhemus | Director |
| Steven Xiarhos | Director |
| Warren Brodie | Director |
| Wes Blair | Director |
| Cindy Roth | Assist Clerk |
| Shari L Hayes | Clerk |
| John Schoenherr | Treasurer |
| Contribution Type | Contribution Count | Reported Amount |
|---|---|---|
| Other Non Cash Contri Table | 3 | $220,376 |
| Other Non Cash Contri Table | 1 | $43,791 |
| Securities Publicly Traded | 3 | $8,663 |
| Total Noncash Contributions | 7 | $272,830 |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,719,666 |
| Salaries, Compensation, and Employee Benefits | $2,209,726 |
| Total Fundraising Expense | $366,290 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $1,522,819 | $203,881 | $239,808 | $1,966,508 |
| Insurance | $206,416 | $32,307 | $17,366 | $256,089 |
| Payroll Taxes | $65,752 | $100,302 | - | $166,054 |
| Occupancy | $121,722 | $12,347 | $12,534 | $146,603 |
| All Other Expenses | $86,852 | $1,677 | $19,092 | $107,621 |
| Advertising | $21,813 | $1,778 | $73,838 | $97,429 |
| Office Expenses | $97,278 | - | - | $97,278 |
| Other Employee Benefits | $34,105 | $43,059 | - | $77,164 |
| Other Expenses | $59,031 | $388 | $828 | $60,247 |
| Travel | $44,029 | $66 | $2,824 | $46,919 |
| Fees for Services Accounting | $42,096 | - | - | $42,096 |
| Fees for Services Other | $22,545 | - | - | $22,545 |
| Depreciation Depletion | $21,112 | - | - | $21,112 |
| Interest | $2,452 | $10,720 | - | $13,172 |
| Fees for Services Legal | $7,412 | - | - | $7,412 |
| Fees for Service Investment Mgmnt Fees | $3,239 | - | - | $3,239 |
| Total Functional Expenses | $4,152,458 | $410,644 | $366,290 | $4,929,392 |
| Line Item | Amount |
|---|---|
| Total Expenses per Form 990 | $4,929,392 |
| Expenses per Audited Statements | $4,926,153 |
| Total Expenses per Audited Statements | $4,926,153 |
| Expenses Not Reported on Financial Statements | $3,239 |
| Line Item | Amount |
|---|---|
| Gaming Gross Income | $207,647 |
| Gaming Direct Expenses | $89,812 |
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Operating Lease Liability | $771,244 |
“All board members receive a copy of form 990. Form 990 is reviewed at a scheduled board meeting in advance of its submission.”
“Conflict of interest concerns are reviewed by the board president, the president & ceo and the chair of the governance committee to determine the appropriate disclosure and/or action required.”
“Compensation is set by independent persons, specifically a board vote based upon the recommendation of the human resource committee. Human resources conducts a review of comparative salaries in not-for-profit organizations.”
“For key employees, compensation is set by independent persons, specifically a board vote based upon the recommendation of the human resource committee. Human resources conducts a review of comparative salaries in not-for-profit organizations.”
“Governing documents are available to the public upon request.”
“The organization utilizes a large number of volunteers to assist in the construction of affordable homes. Volunteers also help out with the organization's fundraising efforts.”
“During fiscal year 2024, habitat for humanity of cape cod was busy building 10 homes in falmouth, 4 homes in dennis, 4 homes in wellfleet, 3 homes in sandwich 2 homes in chatham, 2 homes in brewster, all with local volunteers and the soon to be homeowners. These homes will be sold at an affordable price to low income families with critical housing needs. All habitat homes are deed restricted in perpetuity to remain affordable upon any resale. Our homes are currently built using many energy saving measures and solar panels, and are expected to achieved a net-zero, or close-to-zero "hers" (home energy ratings) rating. This means the homes are veryenergy efficient, making them even more affordable for the new homeowners. Also during fiscal 2024, ground work and permitting work was underway for 6-8 homes in yarmouth, 4 homes in falmouth. Our restores continued to perform beyond expectations and continued to raise significant funds for the work of habitat, while promoting our mission, and engaging even more community volunteers. Both stores are very highly rated for sales per square foot compared to all the restores in the country. Habitat for humanity of cape cod, inc. Continues to sustain its programs and community impact through a very diverse community-based fundraising strategy, and with the energetic involvement of many hundreds of volunteers and donors, who generously dedicate funds, time and diverse talents to furthering our mission.”
“Funds are to be expended to improve housing for families in need on cape cod, massachusetts.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 356321 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 237435 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 59731 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | THE MISSION OF HABITAT FOR HUMANITY OF CAPE COD IS TO BUILD HOMES, HOPE, LIVES AND COMMUNITY ON CAPE COD IN PARTNERSHIP WITH FAMILIES IN NEED. |
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| IRS990/AdvertisingGrp/ManagementAndGeneralAmt | 0 | 1778 |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 21813 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 97429 |
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| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 19092 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1677 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 86852 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 107621 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5083623559 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 114 CHINE WAY |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | OSTERVILLE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 02655 |
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| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
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| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 1984129 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 165932 |
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| IRS990/CYOtherRevenueAmt | 0 | 1658536 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 615107 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -505688 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2209726 |
| IRS990/CYTotalExpensesAmt | 0 | 4929392 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 366290 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4423704 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 21112 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 21112 |
| IRS990/Desc | 0 | DURING FISCAL YEAR 2024, HABITAT FOR HUMANITY OF CAPE COD WAS BUSY BUILDING 10 HOMES IN FALMOUTH, 4 HOMES IN DENNIS, 4 HOMES IN WELLFLEET, 3 HOMES IN SANDWICH 2 HOMES IN CHATHAM, 2 HOMES IN BREWSTER, ALL WITH LOCAL VOLUNTEERS AND THE SOON TO BE HOMEOWNERS. THESE HOMES WILL BE SOLD AT AN AFFORDABLE PRICE TO LOW INCOME FAMILIES WITH CRITICAL HOUSING NEEDS. ALL HABITAT HOMES ARE DEED RESTRICTED IN PERPETUITY TO REMAIN AFFORDABLE UPON ANY RESALE. OUR HOMES ARE CURRENTLY BUILT USING MANY ENERGY SAVING MEASURES AND SOLAR PANELS, AND ARE EXPECTED TO ACHIEVED A NET-ZERO, OR CLOSE-TO-ZERO "HERS" (HOME ENERGY RATINGS) RATING. THIS MEANS THE HOMES ARE VERYENERGY EFFICIENT, MAKING THEM EVEN MORE AFFORDABLE FOR THE NEW HOMEOWNERS. ALSO DURING FISCAL 2024, GROUND WORK AND PERMITTING WORK WAS UNDERWAY FOR 6-8 HOMES IN YARMOUTH, 4 HOMES IN FALMOUTH. OUR RESTORES CONTINUED TO PERFORM BEYOND EXPECTATIONS AND CONTINUED TO RAISE SIGNIFICANT FUNDS FOR THE WORK OF HABITAT, WHILE PROMOTING OUR MISSION, AND ENGAGING EVEN MORE COMMUNITY VOLUNTEERS. BOTH STORES ARE VERY HIGHLY RATED FOR SALES PER SQUARE FOOT COMPARED TO ALL THE RESTORES IN THE COUNTRY. HABITAT FOR HUMANITY OF CAPE COD, INC. CONTINUES TO SUSTAIN ITS PROGRAMS AND COMMUNITY IMPACT THROUGH A VERY DIVERSE COMMUNITY-BASED FUNDRAISING STRATEGY, AND WITH THE ENERGETIC INVOLVEMENT OF MANY HUNDREDS OF VOLUNTEERS AND DONORS, WHO GENEROUSLY DEDICATE FUNDS, TIME AND DIVERSE TALENTS TO FURTHERING OUR MISSION. |
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| IRS990/ElectionOfBoardMembersInd | 0 | false |
| IRS990/EmployeeCnt | 0 | 34 |
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| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
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| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 7412 |
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| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | SHARI L HAYES |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | ASSIST CLERK |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | PRESIDENT & |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | DIR OF CONST |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | COO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1988 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 20607 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 5 |
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| IRS990/GamingDirectExpensesAmt | 0 | 89812 |
| IRS990/GamingGrossIncomeAmt | 0 | 207647 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 14 |
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| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 20607 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 87237 |
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| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
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| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
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| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 32307 |
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| IRS990/MissionDesc | 0 | THE MISSION OF HABITAT FOR HUMANITY OF CAPE COD IS TO BUILD HOMES, HOPE, LIVES AND COMMUNITY ON CAPE COD IN PARTNERSHIP WITH FAMILIES IN NEED. |
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| IRS990/MoreThan5000KToOrgInd | 0 | false |
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| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 4119 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 388 |
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| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 177101 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 95000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 59031 |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 177101 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 95000 |
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| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 65752 |
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| IRS990/PrincipalOfficerNm | 0 | WENDY CULLINAN |
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| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522292 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | HABITAT HOUSING PROGRAM SALES |
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| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2082381 |
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| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
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| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 615107 |
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| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 3420578 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 2799869 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 2390049 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 15038296 |
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| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 69198 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 18821 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 7477 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 5297 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 255143 |
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| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.97750 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.99000 |
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