Civic Intelligence

Sandusky County Habitat for Humanity International

EIN 34-1605960 • 501(c)3 • Fremont, OH

Profile

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity sandusky county adheres to a strict non-prselytizing plicy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

1245 Napoleon StreetFremont, OH 43420
Siviq Scores

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

Liabilities / Assets

58th percentile

0.04x

Higher debt load relative to assets than 58% of similar nonprofits.

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

Liabilities / Revenue

61st percentile

0.04x

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

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

Net Margin

61st percentile

10%

Higher net margin than 61% of similar nonprofits.

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

Top Officer Pay

72nd percentile

$62,386

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 8.8% of source-year revenue.

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

Asset Growth

64th percentile

9.7%

Faster asset growth than 64% of similar nonprofits.

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

Revenue Growth

83rd percentile

55%

Faster revenue growth than 83% of similar nonprofits.

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

Assets

Up

$830,448

Up $54,613 (+7.0%) from 2022

Liabilities

Up

$30,977

Up $24,670 (+391%) from 2022

Net Assets

Up

$799,471

Up $29,943 (+3.9%) from 2022

Revenue

Up

$712,898

Up $665,834 (+1415%) from 2022

Expenses

Up

$640,935

Up $589,282 (+1141%) from 2022

Net Income

Up

$71,963

Up $76,552 (+1668%) from 2022

Trend Graphs

Balance Sheet Trend

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

$1.0M$500K$0Assets 2020: $782,281Liabilities 2020: $3,053Net Assets 2020: $779,2282020Assets 2021: $785,141Liabilities 2021: $8,071Net Assets 2021: $777,0702021Assets 2022: $775,835Liabilities 2022: $6,307Net Assets 2022: $769,5282022Assets 2025: $830,448Liabilities 2025: $30,977Net Assets 2025: $799,4712025

Highlighted filing

2025

Assets$830,448
Liabilities$30,977
Net Assets$799,471

Operations Trend

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

$800K$600K$400K$200K$0-$200KRevenue 2020: $26,759Expenses 2020: $22,544Net Income 2020: $4,2152020Revenue 2021: $39,902Expenses 2021: $35,261Net Income 2021: $4,6412021Revenue 2022: $47,064Expenses 2022: $51,653Net Income 2022: -$4,5892022Revenue 2025: $712,898Expenses 2025: $640,935Net Income 2025: $71,9632025

Highlighted filing

2025

Revenue$712,898
Expenses$640,935
Net Income$71,963

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 15, 2025
Return Version
2024v5.0
Gross Receipts
$722,559
Mission and Program Overview

Mission

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity sandusky county adheres to a strict non-prselytizing plicy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$727,508$799,471▲ $71,963
Other Notes and Loans Receivable, Net$338,345$713,083▲ $374,738
Land, Buildings, and Equipment, Net$384,388$75,936▼ $308,452
Cash and Non-Interest-Bearing Accounts$34,018$41,429▲ $7,411
Total Assets$756,751$830,448▲ $73,697
Liabilities
Accounts Payable and Accrued Expenses$29,243$30,977▲ $1,734
Total Liabilities$29,243$30,977▲ $1,734
Net Assets / Fund Balance
Total Net Assets Fund Balance$727,508$799,471▲ $71,963
Total Liabilities and Net Assets / Fund Balance$756,751$830,448▲ $73,697

Asset Categories

AssetBook ValueDepreciationBasis
Land$75,936-$75,936
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Pam KenslerExecutive DiPT$62,386$62,386

Board Members and Trustees

NameTitle
Nicole SmithPresident
Anthony HalbeisenDirector
Charles ButcherDirector
Jill SwaisgoodDirector
Joe HoppleDirector
Julie Fisher-priceDirector
Robin RossDirector
Ron SchumacherDirector
Sarah MeadeDirector
Christina RuferCo-treasurer
Jenny FreehCo-treasurer
Sharon KinnearSecretary
Jamie BrubakerVice-preside
Revenue and Support

Revenue Composition

Contributions and Grants
$265,371
Program Service Revenue
$450,569
Investment Income
$0
Other Revenue
$-3,042
All Other Contributions
$265,371
Change in Net Assets
$71,963
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$532,399
Salaries, Compensation, and Employee Benefits$108,536
Total Fundraising Expense$390
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$100,541--$100,541
Other Expenses$17,803--$17,803
All Other Expenses$12,511$1,289-$13,800
Fees for Services Accounting-$12,690-$12,690
Payments to Affiliates$10,569--$10,569
Occupancy$9,400--$9,400
Payroll Taxes$7,225--$7,225
Insurance$7,017--$7,017
Office Expenses$1,262$903$390$2,555
Travel$1,906--$1,906
Advertising$1,103--$1,103
Other Employee Benefits$770--$770
Conferences and Meetings$74--$74
Total Functional Expenses$625,663$14,882$390$640,935
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$9,661
Fundraising Gross Income$6,619
Professional Fundraising Fees$0
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
Backup withholding compliance
No
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

The board member responsible for the books reviews the 990.

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

The board reviews annually at board meeting.

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

Reviewed by the board of directors.

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

Reviewed by the board of directors.

Form 990, Page 6, Part VI, Line 19

Governing documents are available at the office for review upon request.

Filing and Contact Details

Filer

Filer Name
Sandusky County Habitat for
EIN
34-1605960
Phone
4193551257
Address
1245 NAPOLEON STREET, FREMONT, OH 43420

Signing Officer

Name
Christina Rufer
Title
Co-treasurer
Phone
4193552300
Signed
2025-10-15

Organization Details

Principal Officer
Christina Rufer
Formed
1989
Legal Domicile
Oh
Voting Board Members
13
Independent Board Members
13
Employees
3

Preparer

Firm
FRUTH & COMPANY PLL CPA'S
Address
219 SOUTH FRONT STREET SUITE 104, FREMONT, OH 43420
Preparer
Scott R Borgio CPA
Phone
4193325341
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Seeking to put god's love into action, habitat for humanity brings people together to build homes, communities and hope to realize our vision of a world where everyone has a decent place to live. Habitat for humanity sandusky county adheres to a strict non-prselytizing plicy and will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Form 990, Page 2, Part III, Line 4A

Homeownership program: families in need of a decent place to live build safe and affordable homes in partnership with us. Habitat houses are modestly sized. They are large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs affordable. By using the labor of volunteers and prospective homeowners, employing efficient building methods, keeping house sizes modest, using donated construction materials and appliances, and issuing no-profit loans, habitat makes its houses affordable for low-income families to purchase. Affordable homeownership helps create the conditions that free families from instability, stress and fear and encourage self-reliance and confidence. Studies show that strong and stable households are foundational to child development and growth. When a home fosters - instead of hinders - health and safety, families can flourish. Owning an affordable home also allows homeowners to lift up their entire family by saving for their futures and investing in educational opportunities, bolstering job opportunities and career growth. During fiscal year 2020, habitat sandusky county served more than 14 people through its long-term homeownership program.

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IRS990/OtherExpensesGrp/ProgramServicesAmt129903
IRS990/OtherExpensesGrp/ProgramServicesAmt229060
IRS990/OtherExpensesGrp/ProgramServicesAmt317803
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IRS990/OtherExpensesGrp/TotalAmt129903
IRS990/OtherExpensesGrp/TotalAmt229060
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0100541
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IRS990/PrincipalOfficerNm0CHRISTINA RUFER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0PROGRAM SERVICE REVENUE
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0450569
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IRS990/PYContributionsGrantsAmt0280141
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt0231300
IRS990/PYOtherRevenueAmt08700
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IRS990/PYTotalExpensesAmt0323005
IRS990/PYTotalRevenueAmt0461411
IRS990/ReconcilationRevenueExpnssAmt071963
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0450569
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0RENTS 12,409
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0317213
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt045261
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt036114
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0944100
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0647886
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt05216
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt01602
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt01803
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt03788
IRS990ScheduleA/OtherIncome170Grp/TotalAmt012409
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt045261
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt036114
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0944100
IRS990ScheduleA/TotalSupportAmt0956509
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt075936
IRS990ScheduleD/TotalBookValueLandBuildingsAmt075936
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY SANDUSKY COUNTY ADHERES TO A STRICT NON-PRSELYTIZING PLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS - INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING FISCAL YEAR 2020, HABITAT SANDUSKY COUNTY SERVED MORE THAN 14 PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD MEMBER RESPONSIBLE FOR THE BOOKS REVIEWS THE 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD REVIEWS ANNUALLY AT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEWED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5REVIEWED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE AVAILABLE AT THE OFFICE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0625663
IRS990/TotalFunctionalExpensesGrp/TotalAmt0640935
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029243
IRS990/TotalLiabilitiesEOYAmt030977
IRS990/TotalLiabilitiesGrp/BOYAmt029243
IRS990/TotalLiabilitiesGrp/EOYAmt030977
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IRS990/TotalProgramServiceExpensesAmt0625663
IRS990/TotalProgramServiceRevenueAmt0450569
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IRS990/TravelGrp/TotalAmt01906
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01245 NAPOLEON STREET
IRS990/USAddress/CityNm0FREMONT
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd043420
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTINA RUFER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CO-TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04193552300
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SANDUSKY COUNTY HABITAT FOR
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0HUMANITY INTERNATIONAL
ReturnHeader/Filer/BusinessNameControlTxt0SAND
ReturnHeader/Filer/EIN0341605960
ReturnHeader/Filer/PhoneNum04193551257
ReturnHeader/Filer/USAddress/AddressLine1Txt01245 NAPOLEON STREET
ReturnHeader/Filer/USAddress/CityNm0FREMONT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd043420
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0341323165
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRUTH & COMPANY PLL CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0219 SOUTH FRONT STREET SUITE 104
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FREMONT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd043420
ReturnHeader/PreparerPersonGrp/PhoneNum04193325341
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-15

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