Civic Intelligence

Habitat for Humanity of Northeast Monmouth County Inc

EIN 22-3284309 • 501(c)3 • Freehold, NJ

Profile

The organization is an affiliate of habitat for humanity international, which seeks to eliminate substandard housing worldwide. The organization helps low-income families achieve the dream of home ownership

45 South StreetFreehold, NJ 07728

www.habitatmonmouth.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

61st percentile

0.14x

Higher debt load relative to revenue than 61% of similar nonprofits.

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

Net Margin

79th percentile

27%

Higher net margin than 79% of similar nonprofits.

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

Top Officer Pay

47th percentile

$46,109

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

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

Asset Growth

96th percentile

133%

Faster asset growth than 96% of similar nonprofits.

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

Revenue Growth

86th percentile

61%

Faster revenue growth than 86% of similar nonprofits.

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

Assets

Up

$3,935,086

Up $2,249,392 (+133%) from 2024

Liabilities

Up

$458,341

Up $327,206 (+250%) from 2024

Net Assets

Up

$3,476,745

Up $1,922,186 (+124%) from 2024

Revenue

Up

$3,175,675

Up $1,205,616 (+61%) from 2024

Expenses

Up

$2,310,642

Up $239,612 (+12%) from 2024

Net Income

Up

$865,033

Up $966,004 (+957%) from 2024

Trend Graphs

Balance Sheet Trend

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $867,842Liabilities 2011: $52,406Net Assets 2011: $815,4362011Assets 2012: $814,884Liabilities 2012: $48,429Net Assets 2012: $766,4552012Assets 2013: $1,124,779Liabilities 2013: $60,689Net Assets 2013: $1,064,0902013Assets 2014: $1,195,171Liabilities 2014: $122,273Net Assets 2014: $1,072,8982014Assets 2015: $2,864,716Liabilities 2015: $439,655Net Assets 2015: $2,425,0612015Assets 2016: $2,633,335Liabilities 2016: $380,692Net Assets 2016: $2,252,6432016Assets 2017: $1,988,953Liabilities 2017: $385,948Net Assets 2017: $1,603,0052017Assets 2018: $2,623,488Liabilities 2018: $891,918Net Assets 2018: $1,731,5702018Assets 2019: $2,653,798Liabilities 2019: $857,412Net Assets 2019: $1,796,3862019Assets 2020: $2,287,907Liabilities 2020: $912,547Net Assets 2020: $1,375,3602020Assets 2021: $2,310,972Liabilities 2021: $859,495Net Assets 2021: $1,451,4772021Assets 2022: $2,162,445Liabilities 2022: $84,037Net Assets 2022: $2,078,4082022Assets 2023: $1,905,155Liabilities 2023: $249,625Net Assets 2023: $1,655,5302023Assets 2024: $1,685,694Liabilities 2024: $131,135Net Assets 2024: $1,554,5592024Assets 2025: $3,935,086Liabilities 2025: $458,341Net Assets 2025: $3,476,7452025

Highlighted filing

2025

Assets$3,935,086
Liabilities$458,341
Net Assets$3,476,745

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $248,593Expenses 2011: $134,037Net Income 2011: $114,5562011Revenue 2012: $295,503Expenses 2012: $344,484Net Income 2012: -$48,9812012Revenue 2013: $476,396Expenses 2013: $178,761Net Income 2013: $297,6352013Revenue 2014: $1,588,069Expenses 2014: $1,579,261Net Income 2014: $8,8082014Revenue 2015: $2,431,393Expenses 2015: $2,269,543Net Income 2015: $161,8502015Revenue 2016: $2,723,025Expenses 2016: $2,895,443Net Income 2016: -$172,4182016Revenue 2017: $2,252,029Expenses 2017: $2,901,667Net Income 2017: -$649,6382017Revenue 2018: $1,642,194Expenses 2018: $1,513,629Net Income 2018: $128,5652018Revenue 2019: $1,611,790Expenses 2019: $1,546,974Net Income 2019: $64,8162019Revenue 2020: $1,596,353Expenses 2020: $2,017,379Net Income 2020: -$421,0262020Revenue 2021: $1,999,300Expenses 2021: $1,923,183Net Income 2021: $76,1172021Revenue 2022: $1,984,278Expenses 2022: $1,357,347Net Income 2022: $626,9312022Revenue 2023: $1,825,073Expenses 2023: $2,247,951Net Income 2023: -$422,8782023Revenue 2024: $1,970,059Expenses 2024: $2,071,030Net Income 2024: -$100,9712024Revenue 2025: $3,175,675Expenses 2025: $2,310,642Net Income 2025: $865,0332025

Highlighted filing

2025

Revenue$3,175,675
Expenses$2,310,642
Net Income$865,033

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.94$0.46$3.48$3.18$2.31$0.87
2024Detailed filing. Detailed filing data is available for this year.$1.69$0.13$1.55$1.97$2.07$0.10
2023Detailed filing. Detailed filing data is available for this year.$1.91$0.25$1.66$1.83$2.25$0.42
2022Detailed filing. Detailed filing data is available for this year.$2.16$0.08$2.08$1.98$1.36$0.63
2021Detailed filing. Detailed filing data is available for this year.$2.31$0.86$1.45$2.00$1.92$0.08
2020Detailed filing. Detailed filing data is available for this year.$2.29$0.91$1.38$1.60$2.02$0.42
2019Detailed filing. Detailed filing data is available for this year.$2.65$0.86$1.80$1.61$1.55$0.06
2018Detailed filing. Detailed filing data is available for this year.$2.62$0.89$1.73$1.64$1.51$0.13
2017Detailed filing. Detailed filing data is available for this year.$1.99$0.39$1.60$2.25$2.90$0.65
2016Detailed filing. Detailed filing data is available for this year.$2.63$0.38$2.25$2.72$2.90$0.17
2015Summary only. Only limited summary data is available for this year.$2.86$0.44$2.43$2.43$2.27$0.16
2014Detailed filing. Detailed filing data is available for this year.$1.20$0.12$1.07$1.59$1.58$0.01
2013Summary only. Only limited summary data is available for this year.$1.12$0.06$1.06$0.48$0.18$0.30
2012Summary only. Only limited summary data is available for this year.$0.81$0.05$0.77$0.30$0.34$0.05
2011Summary only. Only limited summary data is available for this year.$0.87$0.05$0.82$0.25$0.13$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Jan 30, 2026
Return Version
2024v5.0
Gross Receipts
$3,240,088
Mission and Program Overview

Mission

The organization is an affiliate of habitat for humanity international, which seeks to eliminate substandard housing worldwide. The organization helps low-income families achieve the dream of home ownership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$664,328$867,538▲ $203,210
Cash and Non-Interest-Bearing Accounts$595,255$399,479▼ $195,776
Savings and Temporary Cash Investments$208,814$318,104▲ $109,290
Land, Buildings, and Equipment, Net$80,767$93,085▲ $12,318
Pledges and Grants Receivable-$39,042-
Accounts Receivable$1,187$9,834▲ $8,647
Investments in Publicly Traded Securities-$1,128-
Total Assets$1,685,694$3,935,086▲ $2,249,392
Other Assets Total$135,343$2,206,876▲ $2,071,533
Liabilities
Other Liabilities$70,383$354,263▲ $283,880
Accounts Payable and Accrued Expenses$20,652$76,208▲ $55,556
Deferred Revenue$40,100$27,870▼ $12,230
Total Liabilities$131,135$458,341▲ $327,206
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,489,559$3,291,935▲ $1,802,376
Net Assets With Donor Restrictions$65,000$184,810▲ $119,810
Total Net Assets Fund Balance$1,554,559$3,476,745▲ $1,922,186
Total Liabilities and Net Assets / Fund Balance$1,685,694$3,935,086▲ $2,249,392

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$24,330$207,092$231,422
Leasehold Improvements$58,294$97,859$156,153
Equipment$5,460$103,561$109,021
Buildings$5,001$64,936$69,937
Other Assets Org$411--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Meredith DarcheExecutive DiFT$46,109$46,109

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$1,568,230
Program Service Revenue
$1,283,723
Investment Income
$7,938
Other Revenue
$315,784
All Other Contributions
$1,225,651
Change in Net Assets
$865,033

Noncash Contribution Practices

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

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Other Non Cash Contri Table1$690,988Cost
Total Noncash Contributions1$690,988-

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,175,675
Total Revenue per Audited Statements
$3,175,675
Total Revenue per Form 990
$3,175,675
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,278,961
Salaries, Compensation, and Employee Benefits$1,031,681
Total Fundraising Expense$76,100
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$721,814$95,472$58,017$875,303
Occupancy$354,734$63,290-$418,024
Insurance$161,869$16,489$11$178,369
Fees for Services Other$63,906$90,773$47$154,726
Payroll Taxes$84,862$9,894$6,012$100,768
All Other Expenses$41,531$18,507$3,934$63,972
Office Expenses$29,651$27,007$3,082$59,740
Advertising$42,509$15,952$337$58,798
Other Employee Benefits$46,797$5,482$3,331$55,610
Payments to Affiliates$13,300$13,300-$26,600
Fees for Services Legal$428$24,550-$24,978
Interest$20,892$3,228-$24,120
Other Expenses$22,674$1,037$1,329$23,711
Depreciation Depletion$19,873$1,360-$21,233
Fees for Services Accounting-$13,147-$13,147
Total Functional Expenses$1,834,757$399,785$76,100$2,310,642

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,310,642
Total Expenses per Audited Statements$2,310,642
Total Expenses per Form 990$2,310,642
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$379,119
Fundraising Direct Expenses$63,335
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Various$196,352$196,352$823$195,529
Golf Outing$96,350$96,350$19,365$76,985
Total Events$379,119$379,119$63,335$315,784
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Craft Master PrintingSpouse of BoardAdv./fundraisingNo$4,351
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liabilities$332,152
Note Payable - Truck$18,636
Sales Tax Payable$3,475
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
Yes
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, Page 6, Part VI, Line 11B

The executive director and board treasurer review the form 990 first and confirm to the best of their knowledge that the 990 is complete and accurate. A complete copy is then sent to the full board for review and approval.

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

Required to disclose interest annually

Form 990, Page 6, Part VI, Line 15A

The board reviews and approves any salary recommendations made by the personnel committee. The salary recommendations are checked against the salary scale of similar affiliates and the hfhi range.

Form 990, Page 6, Part VI, Line 15B

The board reviews and approves any salary recommendations made by the personnel committee. The salary recommendations are checked against the salary scale of similar affiliates and the hfhi range.

Form 990, Page 6, Part VI, Line 19

UPON REQUEST

Filing and Contact Details

Filer

Filer Name
Monmouth County Habitat for
EIN
22-3284309
Phone
7327280441
Address
45 SOUTH STREET, FREEHOLD, NJ 07728

Signing Officer

Name
Meredith Darche
Title
Executive Director
Phone
7327280441
Signed
2026-01-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Meredith Darche
Formed
1993
Legal Domicile
Nj
Voting Board Members
13
Independent Board Members
13
Employees
34
Volunteers
200

Preparer

Firm
Roger K Stein CPA LLC
Address
2300 STATE ROUTE 66 STE 202, NEPTUNE, NJ 07753-4069
Preparer
Roger K Stein CPA
Phone
7328691170
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Merger opening net assets 1,057,153 opening balance net assets increased by 1,057,153 from merger with coastal habitat for humanity, inc. Effective 7/1/24.

Financial Statement Notes

Schedule D, Page 3, Part X

The organization evaluates its uncertain tax positions and accordingly, a loss contingency is recognized when it is probable that a liability has been incurred as of the date of the combined financial statements and the amount of the loss can be reasonably estimated. The amount recognized is subject to estimate and management judgment with respect to the likely outcome of each uncertain tax position. The amount that is ultimately sustained for an individual uncertain tax position or for all uncertain tax positions in the aggregate could differ from the amount recognized. As of june 30, 2025, the organization recognized no liability on uncertain tax positions.

Schedule D, Page 4, Part XII, Line 2D

Book / tax depreciation difference 21,233

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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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