Civic Intelligence

Habitat for Humanity of Northern

EIN 36-3742888 • 501(c)3 • Elgin, IL

Profile

To advocate on behalf of those in need of decent shelter by building and renovating affordable houses.

56 South Grove AvenueElgin, IL 60120

www.habitatnfv.org

Siviq Scores

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

Liabilities / Assets

64th percentile

0.32x

Higher debt load relative to assets than 64% of similar nonprofits.

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

Liabilities / Revenue

70th percentile

0.53x

Higher debt load relative to revenue than 70% of similar nonprofits.

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

Net Margin

24th percentile

-5.1%

Higher net margin than 24% of similar nonprofits.

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

Top Officer Pay

15th percentile

$0

Higher top officer pay than 15% of similar nonprofits.

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

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

Asset Growth

17th percentile

-5.2%

Faster asset growth than 17% of similar nonprofits.

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

Revenue Growth

90th percentile

87%

Faster revenue growth than 90% of similar nonprofits.

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

Assets

Down

$15,148,050

Down $828,087 (-5.2%) from 2024

Liabilities

Down

$4,863,399

Down $280,173 (-5.4%) from 2024

Net Assets

Down

$10,284,651

Down $547,914 (-5.1%) from 2024

Revenue

Up

$9,165,208

Up $4,259,078 (+87%) from 2024

Expenses

Up

$9,635,231

Up $6,402,034 (+198%) from 2024

Net Income

Down

-$470,023

Down $2,142,956 (-128%) from 2024

Trend Graphs

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2014: $5,237,027Liabilities 2014: $289,114Net Assets 2014: $4,947,9132014Assets 2015: $5,758,170Liabilities 2015: $290,593Net Assets 2015: $5,467,5772015Assets 2016: $7,024,818Liabilities 2016: $220,976Net Assets 2016: $6,803,8422016Assets 2017: $7,058,683Liabilities 2017: $138,282Net Assets 2017: $6,920,4012017Assets 2018: $6,776,739Liabilities 2018: $158,920Net Assets 2018: $6,617,8192018Assets 2019: $8,318,516Liabilities 2019: $369,375Net Assets 2019: $7,949,1412019Assets 2020: $11,145,000Liabilities 2020: $4,035,307Net Assets 2020: $7,109,6932020Assets 2021: $12,232,986Liabilities 2021: $3,252,431Net Assets 2021: $8,980,5552021Assets 2022: $13,043,659Liabilities 2022: $4,225,020Net Assets 2022: $8,818,6392022Assets 2023: $14,690,641Liabilities 2023: $5,531,009Net Assets 2023: $9,159,6322023Assets 2024: $15,976,137Liabilities 2024: $5,143,572Net Assets 2024: $10,832,5652024Assets 2025: $15,148,050Liabilities 2025: $4,863,399Net Assets 2025: $10,284,6512025

Highlighted filing

2025

Assets$15,148,050
Liabilities$4,863,399
Net Assets$10,284,651

Operations Trend

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

$10M$5.0M$0-$5.0MRevenue 2014: $3,696,418Expenses 2014: $3,705,417Net Income 2014: -$8,9992014Revenue 2015: $4,653,901Expenses 2015: $4,134,237Net Income 2015: $519,6642015Revenue 2016: $4,250,969Expenses 2016: $2,914,704Net Income 2016: $1,336,2652016Revenue 2017: $4,978,789Expenses 2017: $4,862,230Net Income 2017: $116,5592017Revenue 2018: $4,442,671Expenses 2018: $4,745,253Net Income 2018: -$302,5822018Revenue 2019: $5,105,643Expenses 2019: $3,581,700Net Income 2019: $1,523,9432019Revenue 2020: $3,729,010Expenses 2020: $4,568,458Net Income 2020: -$839,4482020Revenue 2021: $5,922,077Expenses 2021: $4,051,215Net Income 2021: $1,870,8622021Revenue 2022: $5,418,422Expenses 2022: $4,827,018Net Income 2022: $591,4042022Revenue 2023: $5,578,388Expenses 2023: $5,237,395Net Income 2023: $340,9932023Revenue 2024: $4,906,130Expenses 2024: $3,233,197Net Income 2024: $1,672,9332024Revenue 2025: $9,165,208Expenses 2025: $9,635,231Net Income 2025: -$470,0232025

Highlighted filing

2025

Revenue$9,165,208
Expenses$9,635,231
Net Income-$470,023

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 19, 2025
Return Version
2024v5.0
Gross Receipts
$9,233,783
Mission and Program Overview

Mission

To advocate on behalf of those in need of decent shelter by building and renovating affordable houses.

Habitat for humanity builds and rehabs homes and sells them to low-income buyers at no profit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,939,374$6,615,051▼ $1,324,323
Land, Buildings, and Equipment, Net$4,542,222$4,436,224▼ $105,998
Cash and Non-Interest-Bearing Accounts$1,719,294$1,499,230▼ $220,064
Inventories for Sale or Use$721,493$714,678▼ $6,815
Pledges and Grants Receivable$536,936$367,187▼ $169,749
Accounts Receivable$59,119$71,335▲ $12,216
Prepaid Expenses and Deferred Charges$44,917$42,518▼ $2,399
Total Assets$15,976,137$15,148,050▼ $828,087
Other Assets Total$412,782$1,401,827▲ $989,045
Liabilities
Unsecured Notes Loans Payable$2,926,460$2,773,117▼ $153,343
Other Liabilities$2,171,646$1,966,489▼ $205,157
Accounts Payable and Accrued Expenses$45,071$122,980▲ $77,909
Escrow Account Liability$395$813▲ $418
Total Liabilities$5,143,572$4,863,399▼ $280,173
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$10,028,530$10,042,880▲ $14,350
Net Assets With Donor Restrictions$804,035$241,771▼ $562,264
Total Net Assets Fund Balance$10,832,565$10,284,651▼ $547,914
Total Liabilities and Net Assets / Fund Balance$15,976,137$15,148,050▼ $828,087

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,693,006$759,559$3,452,565
Land$1,057,353-$1,057,353
Other Land Buildings$542,867$444,163$987,030
Equipment$142,998$187,643$330,641
Leasehold Improvements-$7,191$7,191
Other Assets Org$6,250--
Compensation and Service Providers

Board Members and Trustees

NameTitle
David LealiChairman
Bruce RenneckerVice-chairma
Bryan KiddDirector
Chris MandockDirector
Colleen BaaderDirector
Dan PetersonDirector
Dr Mary PerkinsDirector
Dr Yolonda BarnesDirector
Edgar AlvaradoDirector
Heather PloteDirector
Kathy FestenDirector
Kris HaasDirector
Richelle UlmerDirector
Cindy LangeSecretary
Nina Mcavoy CPATreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,854,476
Program Service Revenue
$4,233,000
Investment Income
$35,276
Other Revenue
$3,042,456
All Other Contributions
$1,131,855
Change in Net Assets
$-470,023

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 Amount
Real Estate Residential1$325,000
Other Non Cash Contri Table1$26,366
Total Noncash Contributions2$351,366

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,165,208
Revenue Not Reported on Form 990
$-3,743,922
Total Revenue per Audited Statements
$5,421,286
Total Revenue per Form 990
$9,165,208
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,576,451
Salaries, Compensation, and Employee Benefits$2,058,780
Total Fundraising Expense$188,274
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,748,310$30,065$101,471$1,879,846
All Other Expenses$367,718$56,087$7,889$431,694
Depreciation Depletion$374,115--$374,115
Insurance$152,857$211,936-$364,793
Other Expenses$174,852$76,058-$250,910
Fees for Services Other$61,758$100,688$66,169$228,615
Payroll Taxes$172,873$1,961$4,100$178,934
Interest$107,308--$107,308
Office Expenses$59,366$30,292$7,494$97,152
Occupancy$24,854--$24,854
Information Technology$9,952$10,782-$20,734
Advertising$13,989-$1,151$15,140
Conferences and Meetings$5,908--$5,908
Total Functional Expenses$8,929,088$517,869$188,274$9,635,231

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$9,635,231
Total Expenses per Form 990$9,635,231
Total Expenses per Audited Statements$5,969,200
Expenses Not Reported on Form 990$-3,666,031
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$311,132
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Home Planet Ear$183,130$183,130-$183,130
WOMEN'S BUILD$115,978$115,978-$115,978
Total Events$311,132$311,132-$311,132
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Mortgages Sold With Recourse$1,666,566
Leases Payable$199,775
Notes Payable$83,569
Installment Contract Payable$13,790
Due to Affiliate$2,789
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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 reviews prior to filing.

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

Compensation for the executive director is presented to the board in the annual budget which is approved by the board.

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

Compensation for staff is presented to the board in the annual budget which is approved by the board.

Form 990, Page 6, Part VI, Line 19

Documents are made available upon request.

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of Northern
EIN
36-3742888
Phone
6303036004
Address
56 SOUTH GROVE AVENUE, ELGIN, IL 60120

Signing Officer

Name
Barbara Beckman
Title
Executive Director
Phone
8478361432
Signed
2025-11-19

Organization Details

Principal Officer
Barbara Beckman
Formed
1990
Voting Board Members
15
Independent Board Members
15
Employees
35
Volunteers
1,267

Preparer

Firm
Lauterbach & Amen Llp
Address
668 N RIVER RD, NAPERVILLE, IL 60563
Preparer
Ronald J Amen CPA
Phone
6304166900
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Cost of goods sold for inventory 68,575 loss on sale of assets -264,123 loss on sale of homes -3,470,483 cost of goods sold for inventory -68,575 loss on sale of homes 3,470,483 loss on sale of assets 264,123

Financial Statement Notes

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

Cost of goods sold for inventory 68,575 loss on sale of assets -264,123 loss on sale of homes -3,470,483

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

Cost of goods sold for inventory 68,575 loss on sale of homes -3,470,483 loss on sale of assets -264,123

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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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