Civic Intelligence

Habitat for Humanity of South Central New Jersey Inc

EIN 22-2905055 • 501(c)3 • Maple Shade, NJ

Profile

Our mission is to put faith into action: Habitat for Humanity Burlington County partners with families in need and volunteers to transform lives through decent and affordable home ownership.Habitat for Humanity - Burlington County Affiliate strives to be a results driven, high quality provider of affordable housing to those in need. We collaborate with all segments of the community to create affordable housing, develop responsible homeowners, and strengthen communities.

530 East Route 38Maple Shade, NJ 08052

www.habitatbcnj.org

Siviq Scores

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

Liabilities / Assets

75th percentile

0.49x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

71st percentile

0.56x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

9th percentile

-28%

Higher net margin than 9% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

55th percentile

$200,946

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

7th percentile

-17%

Faster asset growth than 7% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

70th percentile

19%

Faster revenue growth than 70% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$10,883,698

Down $2,223,189 (-17%) from 2024

Liabilities

Up

$5,335,184

Up $469,547 (+9.7%) from 2024

Net Assets

Down

$5,548,514

Down $2,692,736 (-33%) from 2024

Operations
Liabilities / Revenue71st percentileNet Margin9th percentile

Revenue

Up

$9,502,118

Up $1,541,694 (+19%) from 2024

Expenses

Up

$12,194,854

Up $2,524,476 (+26%) from 2024

Net Income

Down

-$2,692,736

Down $982,782 (-57%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth7th percentile

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

$15M$10M$5.0M$0-$5.0MAssets 2011: $1,777,692Liabilities 2011: $12,590Net Assets 2011: $1,765,1022011Assets 2012: $1,875,794Liabilities 2012: -$16,075Net Assets 2012: $1,891,8692012Assets 2013: $2,009,492Liabilities 2013: $63,059Net Assets 2013: $1,946,4332013Assets 2014: $2,415,453Liabilities 2014: $98,717Net Assets 2014: $2,316,7362014Assets 2015: $2,435,982Liabilities 2015: $138,081Net Assets 2015: $2,297,9012015Assets 2016: $4,969,423Liabilities 2016: $1,975,400Net Assets 2016: $2,994,0232016Assets 2017: $6,532,102Liabilities 2017: $2,124,848Net Assets 2017: $4,407,2542017Assets 2018: $6,641,221Liabilities 2018: $2,381,324Net Assets 2018: $4,259,8972018Assets 2019: $7,684,805Liabilities 2019: $2,389,594Net Assets 2019: $5,295,2112019Assets 2020: $8,523,324Liabilities 2020: $2,193,598Net Assets 2020: $6,329,7262020Assets 2021: $8,879,399Liabilities 2021: $2,591,656Net Assets 2021: $6,287,7432021Assets 2022: $11,003,483Liabilities 2022: $1,703,068Net Assets 2022: $9,300,4152022Assets 2023: $13,169,318Liabilities 2023: $3,853,905Net Assets 2023: $9,315,4132023Assets 2024: $13,106,887Liabilities 2024: $4,865,637Net Assets 2024: $8,241,2502024Assets 2025: $10,883,698Liabilities 2025: $5,335,184Net Assets 2025: $5,548,5142025

Highlighted filing

2025

Assets$10,883,698
Liabilities$5,335,184
Net Assets$5,548,514
Open 2025 Filing

Operations Trend

Revenue Growth70th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2011: $958,4862011Expenses 2012: $1,117,2822012Expenses 2013: $1,951,3762013Revenue 2014: $1,674,392Expenses 2014: $1,681,823Net Income 2014: -$7,4312014Revenue 2015: $2,169,740Expenses 2015: $2,520,137Net Income 2015: -$350,3972015Revenue 2016: $3,036,450Expenses 2016: $2,823,960Net Income 2016: $212,4902016Revenue 2017: $2,875,758Expenses 2017: $3,260,518Net Income 2017: -$384,7602017Revenue 2018: $4,799,109Expenses 2018: $4,946,466Net Income 2018: -$147,3572018Revenue 2019: $6,082,767Expenses 2019: $5,047,453Net Income 2019: $1,035,3142019Revenue 2020: $6,150,005Expenses 2020: $5,930,430Net Income 2020: $219,5752020Revenue 2021: $6,666,153Expenses 2021: $7,417,471Net Income 2021: -$751,3182021Revenue 2022: $12,605,455Expenses 2022: $9,592,783Net Income 2022: $3,012,6722022Revenue 2023: $9,118,356Expenses 2023: $9,103,358Net Income 2023: $14,9982023Revenue 2024: $7,960,424Expenses 2024: $9,670,378Net Income 2024: -$1,709,9542024Revenue 2025: $9,502,118Expenses 2025: $12,194,854Net Income 2025: -$2,692,7362025

Highlighted filing

2025

Revenue$9,502,118
Expenses$12,194,854
Net Income-$2,692,736
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
$10,883,698
Liabilities
$5,335,184
Net assets
$5,548,514
Revenue
$9,502,118
Expenses
$12,194,854
Net income
-$2,692,736
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$5.34$5.55$9.50$12.2$2.69
2024Summary only. Only limited summary data is available for this year.$13.1$4.87$8.24$7.96$9.67$1.71
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$3.85$9.32$9.12$9.10$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$1.70$9.30$12.6$9.59$3.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.88$2.59$6.29$6.67$7.42$0.75
2020Summary only. Only limited summary data is available for this year.$8.52$2.19$6.33$6.15$5.93$0.22
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.68$2.39$5.30$6.08$5.05$1.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.64$2.38$4.26$4.80$4.95$0.15
2017Summary only. Only limited summary data is available for this year.$6.53$2.12$4.41$2.88$3.26$0.38
2016Detailed filing. Detailed filing data is available for this year.$4.97$1.98$2.99$3.04$2.82$0.21
2015Detailed filing. Detailed filing data is available for this year.$2.44$0.14$2.30$2.17$2.52$0.35
2014Detailed filing. Detailed filing data is available for this year.$2.42$0.10$2.32$1.67$1.68$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.01$0.06$1.95$1.95
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.88$0.02$1.89$1.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.78$0.01$1.77$0.96
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 8, 2025
Return Version
2024v5.2
Gross Receipts
$9,502,118
Mission and Program Overview

Mission

Our mission is to put faith into action: Habitat for Humanity of Burlington County and Greater Trenton-Princeton partners with families in need and volunteers to transform lives through decent and affordable home ownership.Habitat for Humanity of Burlington County and Greater Trenton-Princeton affiliate strives to be a results driven, high quality provider of affordable housing to those in need. We collaborate with all segments of the community to create affordable housing, develop responsible homeowners, and strengthen communities.

Habitat for Habitat of South Central New Jersey, Inc. (HHSCNJ) partners with families in need and volunteers to transform lives through decent and affordable housing. HHSCNJ pursues its mission of building affordable housing by utilizing volunteer labor and donated materials and funds.HHSCNJ is a New Jersey not-for-profit affordable housing organization, which is the surviving organization from multiple mergers in recent years involving the joining of Habitat for Humanity of Burlington County with Trenton Area Habitat for Humanity (2017), Millstone Basin Area Habitat for Humanity (2020), Habitat for Habitat for Humanity of Atlantic County (October 2020) and Camden County Habitat for Humanity (2024).HHSCNJ is an affiliate of Habitat for Humanity International, Inc. (HFHI), a nonprofit organization whose purpose is to create decent, affordable housing for those in need, and to make decent shelter a matter of conscience with people everywhere. Although HFHI assists with information resour

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$2,694,936$2,301,872▼ $393,064
Other Notes and Loans Receivable, Net$1,786,427$1,634,937▼ $151,490
Cash and Non-Interest-Bearing Accounts$840,537$1,501,637▲ $661,100
Investments in Publicly Traded Securities$1,648,294$1,286,887▼ $361,407
Inventories for Sale or Use$585,355$410,213▼ $175,142
Prepaid Expenses and Deferred Charges$166,309$198,713▲ $32,404
Accounts Receivable$207,728$196,000▼ $11,728
Pledges and Grants Receivable$145,821$58,138▼ $87,683
Savings and Temporary Cash Investments-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Total Assets$13,106,887$10,883,698▼ $2,223,189
Other Assets Total$5,031,480$3,295,301▼ $1,736,179
Liabilities
Other Liabilities$3,350,404$3,625,474▲ $275,070
Accounts Payable and Accrued Expenses$566,752$892,741▲ $325,989
Mortgage Notes Payable Secured by Investment Property$714,673$600,947▼ $113,726
Unsecured Notes Loans Payable$150,000$150,000→ $0
Deferred Revenue$83,808$66,022▼ $17,786
Total Liabilities$4,865,637$5,335,184▲ $469,547
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,577,530$5,304,037▼ $2,273,493
Net Assets With Donor Restrictions$663,720$244,477▼ $419,243
Total Net Assets Fund Balance$8,241,250$5,548,514▼ $2,692,736
Total Liabilities and Net Assets / Fund Balance$13,106,887$10,883,698▼ $2,223,189

Asset Categories

AssetBook ValueDepreciationBasis
Land$1,397,500-$1,397,500
Buildings$667,259$668,344$1,335,603
Equipment$205,299$479,658$684,957
Leasehold Improvements$31,814$61,100$92,914
Other Assets Org$1,778,848--
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lori LeonardCEOFT$200,946$200,946
John GartonCOOFT$164,334$164,334
Anne FoxChief DevelopmentFT$132,675$132,675
Tyrone DavisOperationsFT$112,143$112,143

Board Members and Trustees

NameTitle
Keith SpirgelPresident
Zack WarringerVice President
Allison Rufe BurkardDirector
Dipa RapoleDirector
Eleanor OConnorDirector
Janet BossiDirector
Kia Steave DickersonDirector
Mike FloydDirector
Mitchell DavisDirector
Nancy SommerDirector
Ryan PetersDirector
Thomas HutchisonDirector
Dennis DeverySecretary
John O'ConnorTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,373,794
Program Service Revenue
$5,721,749
Investment Income
$161,087
Other Revenue
$245,488
All Other Contributions
$1,372,964
Change in Net Assets
$-2,692,736

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeReported Amount
Other Non Cash Contri Table$34,622
Total Noncash Contributions$34,622

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,502,118
Total Revenue per Audited Statements
$9,502,118
Total Revenue per Form 990
$9,502,118
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,246,583
Salaries, Compensation, and Employee Benefits$3,948,271
Total Fundraising Expense$839,994
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,898,551$344,163$400,119$2,642,833
Occupancy$1,473,528$73,629$48,933$1,596,090
Other Employee Benefits$445,143$82,715$63,808$591,666
All Other Expenses$205,444$53,362$149,142$407,948
Current Officers, Directors, Trustees, and Key Employees$280,567$45,668$39,035$365,270
Payroll Taxes$223,267$80,672$44,563$348,502
Depreciation Depletion$182,492$30,794$49,823$263,109
Insurance$142,975$16,251$14,819$174,045
Other Expenses$173,352$1,480$245$173,352
Conferences and Meetings$161,350--$161,350
Payments to Affiliates-$124,588-$124,588
Fees for Services Other$102,881$8,879$9,840$121,600
Interest-$88,050-$88,050
Advertising$56,916$2,896$12,999$72,811
Travel$12,789$6,306$6,668$25,763
Total Functional Expenses$10,395,407$959,453$839,994$12,194,854

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$12,194,854
Total Expenses per Audited Statements$12,194,854
Total Expenses per Form 990$12,194,854
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$245,488
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Special Events$245,488$245,488-$245,488
Total Events$245,488$245,488-$245,488
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease$1,824,087
Line of Credit$1,759,218
Escrow liability$42,169
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
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, Part VI, Section A, Line 2

“Two of the directors are married to another director”

Form 990, Part VI, Section B, Line 11B

“The Form 990 is provided to the Board for their review.”

Form 990, Part VI, Section B, Line 12C

“Conflicts of Interest monitored annually by the Board”

Form 990, Part VI, Section B, Line 15A

“Compensation reviewed annually by the Board”

Form 990, Part VI, Section B, Line 15B

“An annual compensation review is done annually for all key employees.”

Form 990, Part VI, Section C, Line 19

“Documents available upon request in the office.”

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of South Central
EIN
22-2905055
Phone
8564396717
Address
530 East Route 38, Maple Shade, NJ 08052

Signing Officer

Name
Lori Leonard
Title
CEO
Signed
2025-12-08
Discuss with paid preparer
Yes

Organization Details

Formed
1987
Legal Domicile
Nj
Voting Board Members
19
Independent Board Members
19
Employees
83
Volunteers
1,336

Preparer

Firm
Ditmars Perazza & Co LLP
Address
12 Oak Tree Court, Westampton, NJ 08060
Preparer
Kenneth M Ditmars
Phone
6092658698
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2C

“The audit and financial statements reviewed by the Finance Committee and the full board”

Financial Statement Notes

Part X : FIN48 Footnote

“FIN 48 made in the footnotes to the financial statements”

Raw XML AppendixShowing 400 of 632 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/ProgSrvcAccomActy2Grp/Desc0ReStore-------HSCNJ operates 3 retail stores for home furnishings and building materials. Items are donated by corporate partners and local residents, then sold to the public at discounted prices. Staff and volunteers pick up and unload donations, assemble and clean items, and organize the floor to keep merchandise flowing for easy customer access.
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IRS990/ProgSrvcAccomActy3Grp/Desc0Construction ------------HHSCNJ assists homeowners and communities in regaining stability by ensuring homes are safe, modern, and accessible. Low and moderate-income homeowners can receive exterior repairs performed by trade professionals, Habitat staff, and volunteers, while only paying a portion of the project cost. These repairs range from minor tasks like porch repair and painting to major projects such as roofing and appliance replacement, as well as accessibility improvements like ramps, railings, and door handles. To qualify, applicants must live in the home as their primary residence and intend to remain there for at least three years.
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0Volunteer Services - Habitat Volunteers are the backbone of Habitat for Humanity of South Central New Jersey. Their dedication and hard work enable us to build homes, communities, and hope for families in need. Each year, hundreds of volunteers contribute thousands of hours to our projects, from construction sites to our ReStores. These individuals come from diverse backgrounds, bringing a wealth of skills and a shared commitment to making a difference,. Their efforts not only help build safe and affordable homes but foster a sense of community and empowerment among the families we serve.
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