Civic Intelligence

Garrett County Habitat for Humanity

EIN 52-1322233 • 501(c)3 • Oakland, MD

Profile

To provide financial and construction assistance to low-income individuals in building safe and adequate housing.

PO Box 363Oakland, MD 21550

www.garrettcountyhabitat.org

Siviq Scores

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

Liabilities / Assets

36th percentile

0.02x

Higher debt load relative to assets than 36% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

53rd percentile

0.09x

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

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

83rd percentile

35%

Higher net margin than 83% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

51st percentile

$61,000

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 12.8% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

63rd percentile

8.4%

Faster asset growth than 63% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

85th percentile

58%

Faster revenue growth than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$2,450,452

Up $190,502 (+8.4%) from 2023

Liabilities

Up

$41,963

Up $7,760 (+23%) from 2023

Net Assets

Up

$2,408,489

Up $182,742 (+8.2%) from 2023

Revenue

Up

$476,851

Up $175,294 (+58%) from 2023

Expenses

Up

$310,110

Up $37,395 (+14%) from 2023

Net Income

Up

$166,741

Up $137,899 (+478%) from 2023

Trend Graphs

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,615,537Liabilities 2011: $95,660Net Assets 2011: $1,519,8772011Assets 2012: $1,551,588Liabilities 2012: $36,675Net Assets 2012: $1,514,9132012Assets 2013: $1,526,422Liabilities 2013: $45,311Net Assets 2013: $1,481,1112013Assets 2014: $1,547,100Liabilities 2014: $40,315Net Assets 2014: $1,506,7852014Assets 2015: $1,637,264Liabilities 2015: $38,103Net Assets 2015: $1,599,1612015Assets 2016: $1,743,600Liabilities 2016: $36,969Net Assets 2016: $1,706,6312016Assets 2017: $1,924,466Liabilities 2017: $37,799Net Assets 2017: $1,886,6672017Assets 2018: $1,880,927Liabilities 2018: $37,476Net Assets 2018: $1,843,4512018Assets 2019: $1,876,538Liabilities 2019: $31,231Net Assets 2019: $1,845,3072019Assets 2020: $1,859,295Liabilities 2020: $67,046Net Assets 2020: $1,792,2492020Assets 2021: $2,158,478Liabilities 2021: $30,809Net Assets 2021: $2,127,6692021Assets 2022: $2,213,196Liabilities 2022: $35,624Net Assets 2022: $2,177,5722022Assets 2023: $2,259,950Liabilities 2023: $34,203Net Assets 2023: $2,225,7472023Assets 2024: $2,450,452Liabilities 2024: $41,963Net Assets 2024: $2,408,4892024

Highlighted filing

2024

Assets$2,450,452
Liabilities$41,963
Net Assets$2,408,489

Operations Trend

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $500,500Expenses 2011: $167,703Net Income 2011: $332,7972011Expenses 2012: $291,0642012Revenue 2013: $272,196Expenses 2013: $305,998Net Income 2013: -$33,8022013Revenue 2014: $350,414Expenses 2014: $324,740Net Income 2014: $25,6742014Revenue 2015: $316,366Expenses 2015: $223,990Net Income 2015: $92,3762015Revenue 2016: $353,385Expenses 2016: $245,915Net Income 2016: $107,4702016Revenue 2017: $522,635Expenses 2017: $342,599Net Income 2017: $180,0362017Revenue 2018: $421,169Expenses 2018: $464,385Net Income 2018: -$43,2162018Revenue 2019: $424,079Expenses 2019: $422,223Net Income 2019: $1,8562019Revenue 2020: $449,618Expenses 2020: $425,226Net Income 2020: $24,3922020Revenue 2021: $657,943Expenses 2021: $324,565Net Income 2021: $333,3782021Revenue 2022: $482,867Expenses 2022: $417,956Net Income 2022: $64,9112022Revenue 2023: $301,557Expenses 2023: $272,715Net Income 2023: $28,8422023Revenue 2024: $476,851Expenses 2024: $310,110Net Income 2024: $166,7412024

Highlighted filing

2024

Revenue$476,851
Expenses$310,110
Net Income$166,741

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.45$0.04$2.41$0.48$0.31$0.17
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.26$0.03$2.23$0.30$0.27$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.21$0.04$2.18$0.48$0.42$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.16$0.03$2.13$0.66$0.32$0.33
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.86$0.07$1.79$0.45$0.43$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.88$0.03$1.85$0.42$0.42$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.88$0.04$1.84$0.42$0.46$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.92$0.04$1.89$0.52$0.34$0.18
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.74$0.04$1.71$0.35$0.25$0.11
2015Detailed filing. Detailed filing data is available for this year.$1.64$0.04$1.60$0.32$0.22$0.09
2014Detailed filing. Detailed filing data is available for this year.$1.55$0.04$1.51$0.35$0.32$0.03
2013Detailed filing. Detailed filing data is available for this year.$1.53$0.05$1.48$0.27$0.31$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.55$0.04$1.51$0.29
2011Summary only. Only limited summary data is available for this year.$1.62$0.10$1.52$0.50$0.17$0.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 11, 2025
Return Version
2024v5.0
Gross Receipts
$549,422
Mission and Program Overview

Mission

To provide financial and construction assistance to low-income individuals in building safe and adequate housing.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,009,302$959,186▼ $50,116
Savings and Temporary Cash Investments$765,573$769,554▲ $3,981
Investments in Publicly Traded Securities$199,627$363,866▲ $164,239
Land, Buildings, and Equipment, Net$42,338$61,947▲ $19,609
Accounts Receivable$44,748--
Total Assets$2,259,950$2,450,452▲ $190,502
Other Assets Total$198,362$295,899▲ $97,537
Liabilities
Other Liabilities$33,677$41,843▲ $8,166
Accounts Payable and Accrued Expenses$526$120▼ $406
Total Liabilities$34,203$41,963▲ $7,760
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,225,747$2,408,489▲ $182,742
Total Net Assets Fund Balance$2,225,747$2,408,489▲ $182,742
Total Liabilities and Net Assets / Fund Balance$2,259,950$2,450,452▲ $190,502

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$25,005$13,733$38,738
Land$36,942-$36,942
Other Assets Org$36,574--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Steve BortzExecutive DiFT$61,000$61,000

Board Members and Trustees

NameTitle
Ron TresslerPresident
Bj GallagherBoard Member
Charlie NaceBoard Member
Crystal BradyBoard Member
David JochynekBoard Member
Josh SloneBoard Member
Linda FikeBoard Member
Robin McgillBoard Member
Trevor DevoreBoard Member
Tonya SturmSecretary
Charles BoydTreasurer
Pam NelsonVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$67,138
Program Service Revenue
$330,451
Investment Income
$34,228
Other Revenue
$45,034
All Other Contributions
$67,138
Change in Net Assets
$166,741

Audited Revenue Reconciliation

Revenue per Audited Statements
$476,851
Revenue Not Reported on Form 990
$3,600
Total Revenue per Audited Statements
$480,451
Total Revenue per Form 990
$476,851
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$167,262
Other Expenses$142,848
Total Fundraising Expense$41,816
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$70,957-$23,653$94,610
Current Officers, Directors, Trustees, and Key Employees$45,750-$15,250$61,000
Insurance$7,098$7,098-$14,196
Payroll Taxes$8,739-$2,913$11,652
Fees for Services Accounting-$11,575-$11,575
Advertising$6,795--$6,795
Depreciation Depletion-$6,109-$6,109
All Other Expenses$500$3,356-$3,856
Office Expenses-$3,671-$3,671
Fees for Service Investment Mgmnt Fees-$2,207-$2,207
Other Expenses$1,817--$1,817
Travel-$175-$175
Conferences and Meetings-$40-$40
Total Functional Expenses$234,063$34,231$41,816$310,110

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$313,710
Expenses per Audited Statements$310,110
Total Expenses per Form 990$310,110
Expenses Not Reported on Form 990$3,600
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$54,368
Fundraising Direct Expenses$9,334
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Square Foot Clu$22,784$22,784-$22,784
Building Hope-o$20,384$20,384$9,334$11,050
Total Events$54,368$54,368$9,334$45,034
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
HOMEOWNER'S ESCROW$36,574
Payroll Liabilities$4,897
Credit Card Payable$372
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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

Reviewed by board at full board meeting.

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

Regularly discusses any conflicts at board meetings.

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

Board discusses compensation process for top officials at board meetings.

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

Board discusses compensation process for officers or key employees at board meetings.

Form 990, Page 6, Part VI, Line 19

AVAILABLE UPON REQUEST

Filing and Contact Details

Filer

Filer Name
Garrett County Habitat for Humanity
EIN
52-1322233
Phone
3015330600
Address
PO BOX 363, OAKLAND, MD 21550

Signing Officer

Name
Steve Bortz
Title
Executive Director
Phone
3015330600
Signed
2025-06-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve Bortz
Formed
1983
Legal Domicile
Md
Voting Board Members
12
Independent Board Members
12
Employees
6
Volunteers
79

Preparer

Firm
Turnbull Hoover & Kahl Pa
Address
13179 GARRETT HIGHWAY, OAKLAND, MD 21550
Preparer
Bernard B Kahl CPA
Phone
3013342820
Supplemental Narrative

Additional Explanations

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

Includes general and administrative costs associated with the direct purpose of the organization.

Financial Statement Notes

Schedule D, Page 3, Part X

The organization adopted the recommendations of the financial accounting standards board (fasb) in its accounting standards codification (asc) for accounting of uncertainty in income taxes without any material effect to the financial statements. These recommendations clarify the accounting for uncertainty in income taxes by prescribing the recognition threshold a tax position is required to meet before being recognized in the financial statements. They also provide guidance on de-recognition, classification, interest and penalties, accounting in interim periods, disclosure, and transition. Income tax benefits are recognized for income tax positions taken or expected to be taken in a tax return, only when it is determined that the income tax position will more-likely-than-not be sustained upon examination by taxing authorities. The organization has analyzed tax positions taken for filing with the internal revenue service and all state jurisdictions where it operates. Management believes that income tax filing positions will be sustained upon examination and does not anticipate any adjustments that would result in a material adverse affect on the organization's financial condition, results of operations or cash flows. Accordingly, the organization has not recorded any reserves, or related accruals for interest and penalties for uncertain income tax positions at december 31, 2024 or 2023.

Raw XML AppendixShowing 400 of 487 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/OtherExpensesGrp/Desc3PROPERTY TAX
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IRS990/ProgSrvcAccomActy2Grp/Desc0IN CALENDAR YEAR 2024- TWO HOMES WERE UNDER CONSTRUCTION TO BE SOLD TO QUALIFYING INDIVIDUALS.
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IRS990/ProgSrvcAccomActy3Grp/Desc0HOME STORE - REVENUE FROM DONATED ITEMS USED TO ENHANCE THE PROGRAM SERVICE ACTIVITIES OF PROVIDING AFFORDABLE AND DECENT HOUSING FOR CITIZENS OF GARRETT COUNTY, MD.
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0INCLUDES GENERAL AND ADMINISTRATIVE COSTS ASSOCIATED WITH THE DIRECT PURPOSE OF THE ORGANIZATION.
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CONSTRUCTION IN PROGRESS
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ADOPTED THE RECOMMENDATIONS OF THE FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) IN ITS ACCOUNTING STANDARDS CODIFICATION (ASC) FOR ACCOUNTING OF UNCERTAINTY IN INCOME TAXES WITHOUT ANY MATERIAL EFFECT TO THE FINANCIAL STATEMENTS. THESE RECOMMENDATIONS CLARIFY THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES BY PRESCRIBING THE RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THEY ALSO PROVIDE GUIDANCE ON DE-RECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE, AND TRANSITION. INCOME TAX BENEFITS ARE RECOGNIZED FOR INCOME TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN, ONLY WHEN IT IS DETERMINED THAT THE INCOME TAX POSITION WILL MORE-LIKELY-THAN-NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE ORGANIZATION HAS ANALYZED TAX POSITIONS TAKEN FOR FILING WITH THE INTERNAL REVENUE SERVICE AND ALL STATE JURISDICTIONS WHERE IT OPERATES. MANAGEMENT BELIEVES THAT INCOME TAX FILING POSITIONS WILL BE SUSTAINED UPON EXAMINATION AND DOES NOT ANTICIPATE ANY ADJUSTMENTS THAT WOULD RESULT IN A MATERIAL ADVERSE AFFECT ON THE ORGANIZATION'S FINANCIAL CONDITION, RESULTS OF OPERATIONS OR CASH FLOWS. ACCORDINGLY, THE ORGANIZATION HAS NOT RECORDED ANY RESERVES, OR RELATED ACCRUALS FOR INTEREST AND PENALTIES FOR UNCERTAIN INCOME TAX POSITIONS AT DECEMBER 31, 2024 OR 2023.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INCLUDES GENERAL AND ADMINISTRATIVE COSTS ASSOCIATED WITH THE DIRECT PURPOSE OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1REVIEWED BY BOARD AT FULL BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2REGULARLY DISCUSSES ANY CONFLICTS AT BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD DISCUSSES COMPENSATION PROCESS FOR TOP OFFICIALS AT BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD DISCUSSES COMPENSATION PROCESS FOR OFFICERS OR KEY EMPLOYEES AT BOARD MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B

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