Civic Intelligence

Habitat for Humanity of Benzie

EIN 26-2928981 • 501(c)3 • Frankfort, MI

Profile

Build single family homes and sell them to economically disadvantaged people

PO Box 53Frankfort, MI 49635

www.benziehabitat.org

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.02x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.05x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Net Margin

91st percentile

55%

Higher net margin than 91% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Asset Growth

83rd percentile

34%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

71st percentile

26%

Faster revenue growth than 71% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$982,419

Up $250,115 (+34%) from 2024

Liabilities

Up

$22,532

Up $805 (+3.7%) from 2024

Net Assets

Up

$959,887

Up $249,310 (+35%) from 2024

Operations
Liabilities / Revenue62nd percentileNet Margin91st percentile

Revenue

Up

$452,203

Up $93,402 (+26%) from 2024

Expenses

Down

$202,893

Down $128,251 (-39%) from 2024

Net Income

Up

$249,310

Up $221,653 (+801%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$1.0M$500K$0Assets 2012: $351,215Liabilities 2012: $19,126Net Assets 2012: $332,0892012Assets 2013: $442,701Liabilities 2013: $10,608Net Assets 2013: $432,0932013Assets 2014: $462,991Liabilities 2014: $11,605Net Assets 2014: $451,3862014Assets 2015: $445,016Liabilities 2015: $11,842Net Assets 2015: $433,1742015Assets 2016: $542,633Liabilities 2016: $10,345Net Assets 2016: $532,2882016Assets 2017: $534,945Liabilities 2017: $9,419Net Assets 2017: $525,5262017Assets 2018: $497,691Liabilities 2018: $17,730Net Assets 2018: $479,9612018Assets 2019: $544,479Liabilities 2019: $14,221Net Assets 2019: $530,2582019Assets 2020: $581,135Liabilities 2020: $10,633Net Assets 2020: $570,5022020Assets 2021: $628,865Liabilities 2021: $26,527Net Assets 2021: $602,3382021Assets 2022: $641,418Liabilities 2022: $3,953Net Assets 2022: $637,4652022Assets 2023: $701,310Liabilities 2023: $18,390Net Assets 2023: $682,9202023Assets 2024: $732,304Liabilities 2024: $21,727Net Assets 2024: $710,5772024Assets 2025: $982,419Liabilities 2025: $22,532Net Assets 2025: $959,8872025

Highlighted filing

2025

Assets$982,419
Liabilities$22,532
Net Assets$959,887
Open 2025 Filing

Operations Trend

Revenue Growth71st percentile

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

$600K$400K$200K$0-$200KExpenses 2012: $199,7942012Expenses 2013: $100,7082013Revenue 2014: $335,485Expenses 2014: $316,192Net Income 2014: $19,2932014Revenue 2015: $316,409Expenses 2015: $334,621Net Income 2015: -$18,2122015Revenue 2016: $211,678Expenses 2016: $124,994Net Income 2016: $86,6842016Revenue 2017: $350,941Expenses 2017: $357,703Net Income 2017: -$6,7622017Revenue 2018: $349,456Expenses 2018: $395,021Net Income 2018: -$45,5652018Revenue 2019: $228,151Expenses 2019: $177,854Net Income 2019: $50,2972019Revenue 2020: $316,150Expenses 2020: $275,906Net Income 2020: $40,2442020Revenue 2021: $191,697Expenses 2021: $159,861Net Income 2021: $31,8362021Revenue 2022: $206,075Expenses 2022: $170,948Net Income 2022: $35,1272022Revenue 2023: $234,915Expenses 2023: $189,895Net Income 2023: $45,0202023Revenue 2024: $358,801Expenses 2024: $331,144Net Income 2024: $27,6572024Revenue 2025: $452,203Expenses 2025: $202,893Net Income 2025: $249,3102025

Highlighted filing

2025

Revenue$452,203
Expenses$202,893
Net Income$249,310
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$982,419
Liabilities
$22,532
Net assets
$959,887
Revenue
$452,203
Expenses
$202,893
Net income
$249,310
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$9.82$0.23$9.60$4.52$2.03$2.49
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.32$0.22$7.11$3.59$3.31$0.28
2023Detailed filing. Detailed filing data is available for this year.$7.01$0.18$6.83$2.35$1.90$0.45
2022Detailed filing. Detailed filing data is available for this year.$6.41$0.04$6.37$2.06$1.71$0.35
2021Detailed filing. Detailed filing data is available for this year.$6.29$0.27$6.02$1.92$1.60$0.32
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.81$0.11$5.71$3.16$2.76$0.40
2019Detailed filing. Detailed filing data is available for this year.$5.44$0.14$5.30$2.28$1.78$0.50
2018Detailed filing. Detailed filing data is available for this year.$4.98$0.18$4.80$3.49$3.95$0.46
2017Detailed filing. Detailed filing data is available for this year.$5.35$0.09$5.26$3.51$3.58$0.07
2016Detailed filing. Detailed filing data is available for this year.$5.43$0.10$5.32$2.12$1.25$0.87
2015Detailed filing. Detailed filing data is available for this year.$4.45$0.12$4.33$3.16$3.35$0.18
2014Detailed filing. Detailed filing data is available for this year.$4.63$0.12$4.51$3.35$3.16$0.19
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.43$0.11$4.32$1.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.51$0.19$3.32$2.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Jul 30, 2025
Return Version
2024v5.0
Gross Receipts
$458,872
Mission and Program Overview

Mission

Build single family homes and sell them to economically disadvantaged people

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$499,902$769,605▲ $269,703
Other Notes and Loans Receivable, Net$146,041$103,275▼ $42,766
Pledges and Grants Receivable$6,000--
Prepaid Expenses and Deferred Charges$5,677--
Land, Buildings, and Equipment, Net$4,261$4,980▲ $719
Accounts Receivable$2,277$2,661▲ $384
Total Assets$732,304$982,419▲ $250,115
Other Assets Total$68,146$101,898▲ $33,752
Liabilities
Accounts Payable and Accrued Expenses$21,727$22,532▲ $805
Total Liabilities$21,727$22,532▲ $805
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$710,577$959,887▲ $249,310
Total Net Assets Fund Balance$710,577$959,887▲ $249,310
Total Liabilities and Net Assets / Fund Balance$732,304$982,419▲ $250,115

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,980$7,264$12,244
Other Assets Org$5,038--
Compensation and Service Providers
Top Officer Pay55th percentile

Board Members and Trustees

NameTitle
Paul CallamPresident
Eugene Allen JrDirector
Jacqueline BorozanDirector
Rachel KoenigDirector
Steven J VandeperreDirector
Thomas MauerDirector
Rev Patty HigginsSecretary
Kayla RussellTreasurer
Matt TaylorVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$206,853
Program Service Revenue
$161,842
Investment Income
$168
Other Revenue
$83,340
All Other Contributions
$185,236
Change in Net Assets
$249,310

Audited Revenue Reconciliation

Revenue per Audited Statements
$452,203
Revenue Not Reported on Form 990
$6,669
Total Revenue per Audited Statements
$458,872
Total Revenue per Form 990
$452,203
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$202,893
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Accounting-$7,050-$7,050
Insurance-$6,629-$6,629
All Other Expenses$1,116$2,928-$4,044
Payments to Affiliates$2,704--$2,704
Conferences and Meetings-$1,967-$1,967
Other Expenses$15,360$1,571-$1,571
Depreciation Depletion-$1,300-$1,300
Advertising-$215-$215
Total Functional Expenses$167,248$35,645$0$202,893

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$209,562
Expenses per Audited Statements$202,893
Total Expenses per Form 990$202,893
Expenses Not Reported on Form 990$6,669
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$6,669
Fundraising Gross Income$6,669
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Outing$15,135$5,793$5,793$0
Festival of Tre$8,778$876$876$0
Total Events$23,913$6,669$6,669-
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
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, Page 6, Part VI, Line 11B

“Form 990 was prepared by cpa and reviewed by treasurer prior to submission”

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

“Board members are periodically reminded of policy”

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

“Determining compensation of executive director included a review and approval by independent personnel, comparability data, and contemporaneous substantiation of the deliberation and decision”

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

“Determining compensation of key management personnel included a review and approval by independent personnel, comparability data, and contemporaneous substantiation of the deliberation and decision”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial statements are available to the public upon request”

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of Benzie
EIN
26-2928981
Phone
2313990300
Address
PO BOX 53, FRANKFORT, MI 49635

Signing Officer

Name
Paul Callam
Title
President
Phone
2313990300
Signed
2025-07-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul Callam
Formed
2008
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
50

Preparer

Firm
Uhy Advisors Great Lakes Inc
Address
134 W HARRIS ST, CADILLAC, MI 49601
Preparer
Angela K Kopriva CPA
Phone
2317759789
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Special event expense netted against special event income 6,669 special event expense netted against special event income -6,669”

Financial Statement Notes

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

“Special event expense netted against special event income 6,669”

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

“Special event expense netted against special event income 6,669”

Raw XML AppendixShowing 400 of 439 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.

Path#Value
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IRS990/PrincipalOfficerNm0PAUL CALLAM
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IRS990/ReportOtherLiabilitiesInd0false
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt0499902
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER PROGRAM REVENUES & MISC 36,102
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt042848
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt07264
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012244
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IRS990ScheduleD/ExpensesSubtotalAmt0202893
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt096860
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt15038
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CONSTRUCTION IN PROGRESS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LAND HELD FOR BUILDING SITES
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IRS990ScheduleD/OtherRevenueAmt06669
IRS990ScheduleD/RevenueNotReportedAmt06669
IRS990ScheduleD/RevenueSubtotalAmt0452203
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0SPECIAL EVENT EXPENSE NETTED AGAINST SPECIAL EVENT INCOME 6,669
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1SPECIAL EVENT EXPENSE NETTED AGAINST SPECIAL EVENT INCOME 6,669
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0101898
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IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt08778
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 WAS PREPARED BY CPA AND REVIEWED BY TREASURER PRIOR TO SUBMISSION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS ARE PERIODICALLY REMINDED OF POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DETERMINING COMPENSATION OF EXECUTIVE DIRECTOR INCLUDED A REVIEW AND APPROVAL BY INDEPENDENT PERSONNEL, COMPARABILITY DATA, AND CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DETERMINING COMPENSATION OF KEY MANAGEMENT PERSONNEL INCLUDED A REVIEW AND APPROVAL BY INDEPENDENT PERSONNEL, COMPARABILITY DATA, AND CONTEMPORANEOUS SUBSTANTIATION OF THE DELIBERATION AND DECISION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SPECIAL EVENT EXPENSE NETTED AGAINST SPECIAL EVENT INCOME 6,669 SPECIAL EVENT EXPENSE NETTED AGAINST SPECIAL EVENT INCOME -6,669
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15B
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