Civic Intelligence

Habitat for Humanity of Washington

EIN 52-1825698 • 501(c)3 • Hagerstown, MD

Profile

The organization's mission is to seek to put god's love into action. Habitat for humanity brings people together to build homes, communities, and hope. Habitat for humanity of washington county (hfhwc) is a nonprofit, ecumenical christian housing organization from all faiths and traditions. Our mission is to create simple, decent, affordable housing for those in need in our county. Hfhwc seeks to eliminate poverty and substandard housing, increase affordable housing, and make decent shelter a matter of conscience and action.

100 Charles StreetHagerstown, MD 21740

www.habitat-wc.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.11x

Higher debt load relative to assets than 49% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

81st percentile

0.78x

Higher debt load relative to revenue than 81% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

8th percentile

-39%

Higher net margin than 8% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

32nd percentile

$83,361

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 11.4% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Asset Growth

16th percentile

-6.9%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

-34%

Faster revenue growth than 9% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Down

$5,044,386

Down $373,033 (-6.9%) from 2023

Liabilities

Down

$571,537

Down $30,404 (-5.1%) from 2023

Net Assets

Down

$4,472,849

Down $342,629 (-7.1%) from 2023

Revenue

Down

$731,815

Down $369,581 (-34%) from 2023

Expenses

Down

$1,013,594

Down $417,591 (-29%) from 2023

Net Income

Up

-$281,779

Up $48,010 (+15%) from 2023

Trend Graphs

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2011: $1,615,902Liabilities 2011: $60,125Net Assets 2011: $1,555,7772011Assets 2012: $2,021,126Liabilities 2012: $66,825Net Assets 2012: $1,954,3012012Assets 2013: $2,112,241Liabilities 2013: $60,214Net Assets 2013: $2,052,0272013Assets 2014: $2,556,426Liabilities 2014: $58,505Net Assets 2014: $2,497,9212014Assets 2015: $3,204,906Liabilities 2015: $47,700Net Assets 2015: $3,157,2062015Assets 2016: $3,527,342Liabilities 2016: $70,071Net Assets 2016: $3,457,2712016Assets 2017: $3,558,583Liabilities 2017: $57,026Net Assets 2017: $3,501,5572017Assets 2018: $3,900,730Liabilities 2018: $477,773Net Assets 2018: $3,422,9572018Assets 2019: $4,114,173Liabilities 2019: $433,411Net Assets 2019: $3,680,7622019Assets 2020: $4,419,059Liabilities 2020: $469,386Net Assets 2020: $3,949,6732020Assets 2021: $4,503,900Liabilities 2021: $420,323Net Assets 2021: $4,083,5772021Assets 2022: $5,864,140Liabilities 2022: $709,559Net Assets 2022: $5,154,5812022Assets 2023: $5,417,419Liabilities 2023: $601,941Net Assets 2023: $4,815,4782023Assets 2024: $5,044,386Liabilities 2024: $571,537Net Assets 2024: $4,472,8492024

Highlighted filing

2024

Assets$5,044,386
Liabilities$571,537
Net Assets$4,472,849

Operations Trend

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $947,630Expenses 2011: $766,552Net Income 2011: $181,0782011Revenue 2012: $591,464Expenses 2012: $192,940Net Income 2012: $398,5242012Revenue 2013: $1,446,175Expenses 2013: $1,348,449Net Income 2013: $97,7262013Revenue 2014: $1,201,353Expenses 2014: $755,459Net Income 2014: $445,8942014Revenue 2015: $1,025,214Expenses 2015: $380,811Net Income 2015: $644,4032015Revenue 2016: $1,533,827Expenses 2016: $1,181,711Net Income 2016: $352,1162016Revenue 2017: $1,095,821Expenses 2017: $1,078,691Net Income 2017: $17,1302017Revenue 2018: $872,615Expenses 2018: $1,071,954Net Income 2018: -$199,3392018Revenue 2019: $1,206,651Expenses 2019: $973,277Net Income 2019: $233,3742019Revenue 2020: $1,034,789Expenses 2020: $757,434Net Income 2020: $277,3552020Revenue 2021: $1,275,382Expenses 2021: $1,145,689Net Income 2021: $129,6932021Revenue 2022: $2,017,833Expenses 2022: $1,123,742Net Income 2022: $894,0912022Revenue 2023: $1,101,396Expenses 2023: $1,431,185Net Income 2023: -$329,7892023Revenue 2024: $731,815Expenses 2024: $1,013,594Net Income 2024: -$281,7792024

Highlighted filing

2024

Revenue$731,815
Expenses$1,013,594
Net Income-$281,779

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.04$0.57$4.47$0.73$1.01$0.28
2023Detailed filing. Detailed filing data is available for this year.$5.42$0.60$4.82$1.10$1.43$0.33
2022Detailed filing. Detailed filing data is available for this year.$5.86$0.71$5.15$2.02$1.12$0.89
2021Detailed filing. Detailed filing data is available for this year.$4.50$0.42$4.08$1.28$1.15$0.13
2020Detailed filing. Detailed filing data is available for this year.$4.42$0.47$3.95$1.03$0.76$0.28
2019Detailed filing. Detailed filing data is available for this year.$4.11$0.43$3.68$1.21$0.97$0.23
2018Detailed filing. Detailed filing data is available for this year.$3.90$0.48$3.42$0.87$1.07$0.20
2017Detailed filing. Detailed filing data is available for this year.$3.56$0.06$3.50$1.10$1.08$0.02
2016Detailed filing. Detailed filing data is available for this year.$3.53$0.07$3.46$1.53$1.18$0.35
2015Detailed filing. Detailed filing data is available for this year.$3.20$0.05$3.16$1.03$0.38$0.64
2014Summary only. Only limited summary data is available for this year.$2.56$0.06$2.50$1.20$0.76$0.45
2013Summary only. Only limited summary data is available for this year.$2.11$0.06$2.05$1.45$1.35$0.10
2012Summary only. Only limited summary data is available for this year.$2.02$0.07$1.95$0.59$0.19$0.40
2011Summary only. Only limited summary data is available for this year.$1.62$0.06$1.56$0.95$0.77$0.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.0
Gross Receipts
$2,019,664
Mission and Program Overview

Mission

The organization's mission is to seek to put god's love into action, habitat for humanity brings people together to build homes, communities, and hope. Habitat for humanity of washington county (hfhwc) is a nonprofit, ecumenical christian housing organization from all faiths and traditions. Our mission is to create simple, decent, affordable housing for those in need in our county. Hfhwc seeks to eliminate poverty and substandard housing, increase affordable housing, and make decent shelter a matter of conscience and action.

The organization's mission is to seek to put god's love into action. Habitat for humanity brings people together to build homes, communities, and hope. Habitat for humanity of washington county (hfhwc) is a nonprofit, ecumenical christian housing organization from all faiths and traditions. Our mission is to create simple, decent, affordable housing for those in need in our county. Hfhwc seeks to eliminate poverty and substandard housing, increase affordable housing, and make decent shelter a matter of conscience and action.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,471,012$2,565,587▲ $94,575
Investments in Publicly Traded Securities$637,347$409,865▼ $227,482
Savings and Temporary Cash Investments$597,322$226,554▼ $370,768
Accounts Receivable$87,217$104,854▲ $17,637
Cash and Non-Interest-Bearing Accounts$33,631$49,785▲ $16,154
Land, Buildings, and Equipment, Net$30,769$29,573▼ $1,196
Prepaid Expenses and Deferred Charges$52,603$18,685▼ $33,918
Inventories for Sale or Use$20,526$18,538▼ $1,988
Total Assets$5,417,419$5,044,386▼ $373,033
Other Assets Total$1,486,992$1,620,945▲ $133,953
Liabilities
Other Liabilities$301,782$229,212▼ $72,570
Mortgage Notes Payable Secured by Investment Property$227,745$183,856▼ $43,889
Accounts Payable and Accrued Expenses$60,637$147,483▲ $86,846
Unsecured Notes Loans Payable$11,727$10,986▼ $741
Deferred Revenue$50--
Total Liabilities$601,941$571,537▼ $30,404
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,569,987$4,297,243▼ $272,744
Net Assets With Donor Restrictions$245,491$175,606▼ $69,885
Total Net Assets Fund Balance$4,815,478$4,472,849▼ $342,629
Total Liabilities and Net Assets / Fund Balance$5,417,419$5,044,386▼ $373,033

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$17,596$91,178$108,774
Leasehold Improvements$11,977$51,864$63,841
Other Assets Org$2,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carleah SummersFormer ExecuFT$72,409$10,952$83,361
Donna HoffmanOffice/finanFT$64,249$239$64,488

Board Members and Trustees

NameTitle
Matt JozikBoard Presid
Bailey ZilerDirector
Bill WyandDirector
Cheree WareDirector
Christian WrightDirector
Craig HauptDirector
James ItellDirector
Mark SubriziDirector
Marty BrubakerDirector
Michael GreenDirector
Ron BowersDirector
Sarah BrezlerDirector
Scott LandisDirector
Stephanie BartonDirector
Taj SmithDirector
Tim FisherExec Facilit
Christy KehlbeckSecretary
Ryan LewisTreasurer
Ryan ChapinVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Coreys ConstructionConstruction4760 ZANE A MILLER DRIVE, Waynesboro, PA 17268$349,836
Revenue and Support

Revenue Composition

Contributions and Grants
$693,075
Program Service Revenue
$346,439
Investment Income
$30,629
Other Revenue
$-338,328
All Other Contributions
$589,975
Change in Net Assets
$-281,779

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$427,249Thrift Value
Cars and Other Vehicles1$1,500Salvage Value
Total Noncash Contributions2$428,749-

Audited Revenue Reconciliation

Revenue per Audited Statements
$731,815
Revenue Not Reported on Form 990
$-64,289
Total Revenue per Audited Statements
$667,526
Total Revenue per Form 990
$731,815
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$639,561
Salaries, Compensation, and Employee Benefits$359,033
Total Fundraising Expense$98,181
Professional Fundraising Fees$15,000
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$85,491$70,530$14,962$170,983
Other Salaries and Wages$91,891-$56,157$148,048
Fees for Services Accounting-$63,696-$63,696
Payroll Taxes$14,221$6,330$8,556$29,107
Office Expenses-$19,218-$19,218
Fees for Services Other-$19,042-$19,042
All Other Expenses$3,349$11,044$3,506$17,899
Occupancy-$16,834-$16,834
Information Technology-$15,050-$15,050
Fees for Services Professional Fundraising--$15,000$15,000
Other Expenses$14,999$13,834-$13,834
Payments to Affiliates-$13,540-$13,540
Advertising$12,536--$12,536
Other Employee Benefits$5,651$5,244-$10,895
Conferences and Meetings-$9,503-$9,503
Interest$7,673--$7,673
Fees for Service Investment Mgmnt Fees-$3,889-$3,889
Insurance-$3,850-$3,850
Depreciation Depletion$431$3,294-$3,725
Total Functional Expenses$640,515$274,898$98,181$1,013,594

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,013,594
Total Expenses per Audited Statements$1,010,155
Expenses per Audited Statements$1,009,705
Expenses Not Reported on Financial Statements$3,889
Other Expense Adjustments$3,889
Expenses Not Reported on Form 990$450
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$23,058
Fundraising Direct Expenses$15,167
Professional Fundraising Fees$15,000

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Dinner Auction$33,553$23,058$3,796$19,262
Play House$16,125-$1,691-
Total Events$49,678$23,058$15,167$7,891
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
Michael GreenDirectorContracting Svc.No-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$229,212
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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 7A

Directors shall be elected by the board of directors at a regular meeting of the board of directors. The board development committee shall present a slate of nominees for election as directors. Nominations may also be made by directors from the floor. Those persons who receive plurality of the votes cast shall be deemed to have been elected. If any director then holding office so demands, the election of directors shall be by secret ballot.

Form 990, Page 6, Part VI, Line 11B

The finance committee has the responsibility for reviewing financial matters on behalf of the board of directors. Accordingly, a copy of the completed form 990 and related schedules is provided to the finance committee and the committee has the opportunity to discuss the filing at the next committee meeting. In addition, the full board of directors is sent an electronic copy of form 990 for review, and the executive director will have the finance committee and the board of directors approve the form 990 before it is submitted.

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

There is no formal procedure for enforcing the conflict-of-interest policy, however, board members and employees are required to complete a disclosure questionnaire and disclose any potential conflicts.

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

The human resource committee obtains compensation data from other local nonprofit organizations and from habitat for humanity international. The executives director's salary is discussed and established in a regular human resources committee meeting and is later approved by the full board of directors. For 2024, executive director services were outsourced and paid as an independent contractor therefore not included as paid officers on part vii as on prior years but is reported on line 11g part ix.

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

SAME AS LINE 15A.

Form 990, Page 6, Part VI, Line 19

Form 990 and other data are in a binder that is available for public inspection upon request.

Filing and Contact Details

Filer

Filer Name
Habitat for Humanity of Washington
EIN
52-1825698
Phone
3017919009
Address
100 CHARLES STREET, HAGERSTOWN, MD 21740

Signing Officer

Name
Tim Fisher
Title
Exec Facilitator
Phone
3017919009
Signed
2025-11-11

Organization Details

Principal Officer
Matt Jozik
Formed
1993
Legal Domicile
Md
Voting Board Members
18
Independent Board Members
18
Employees
24
Volunteers
220

Preparer

Firm
Smith Elliott Kearns & Company LLC
Address
19405 EMERALD SQUARE STE 1400, HAGERSTOWN, MD 21742
Preparer
Brianne Dickinson
Phone
3017335020
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

The organization's mission is to seek to put god's love into action. Habitat for humanity brings people together to build homes, communities, and hope. Habitat for humanity of washington county (hfhwc) is a nonprofit, ecumenical christian housing organization from all faiths and traditions. Our mission is to create simple, decent, affordable housing for those in need in our county. Hfhwc seeks to eliminate poverty and substandard housing, increase affordable housing, and make decent shelter a matter of conscience and action.

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

Construction and rehabilitation of homes - the purpose of the organization is to place low-income persons into desirable housing, utilizing volunteer labor to the extent practical and soliciting donations of money and materials/services. Houses are sold at their appraised value. Monthly payments may not exceed 30% of household gross income and do not impose interest charges. It is the objective of the organization to construct and sell one to two homes a year, dependent on the availability of affordable land and the generosity of donors. Home preservation serves as a companion to our core building program, enabling us to serve more families, increase opportunities for volunteers and expand our base of sponsors. Home preservation is an exterior home preservation program that provides painting, landscaping, and minor repair. Home preservation helps low-income homeowners impacted by age, disability and family circumstances, who struggle to maintain the exterior of their homes, reclaim their homes with pride and dignity. Most importantly, home preservation is part of habitat's broader community development strategy, which assists communities as well as families. It revitalizes the appearance of the neighborhood, strengthens connections within the community, and helps preserve and create affordable housing stock.

Form 990, Part XI, Line 9

Line 2 d - advisory fees -3,889 book to tax difference - restore rent -59,948 line 4 b - advisory fees 3,889 total -59,948

Financial Statement Notes

Schedule D, Page 3, Part X

The organization follows the financial accounting standards board (fasb) accounting standards codification, which provides guidance on accounting for uncertainty in income taxes recognized in an enterprise's financial statements. The organization's policy is to charge penalties and interest to income tax expense as incurred. The organization's federal and state income tax returns are subject to examination by the internal revenue service and state tax authorities, generally for a period of three years after the returns are filed.

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

Line 2 d - advisory fees -3,889 book to tax difference - restore rent -59,948

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

Line 4 b - advisory fees 3,889

Raw XML AppendixShowing 400 of 661 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/ActivityOrMissionDesc0THE ORGANIZATION'S MISSION IS TO SEEK TO PUT GOD'S LOVE INTO ACTION. HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE. HABITAT FOR HUMANITY OF WASHINGTON COUNTY (HFHWC) IS A NONPROFIT, ECUMENICAL CHRISTIAN HOUSING ORGANIZATION FROM ALL FAITHS AND TRADITIONS. OUR MISSION IS TO CREATE SIMPLE, DECENT, AFFORDABLE HOUSING FOR THOSE IN NEED IN OUR COUNTY. HFHWC SEEKS TO ELIMINATE POVERTY AND SUBSTANDARD HOUSING, INCREASE AFFORDABLE HOUSING, AND MAKE DECENT SHELTER A MATTER OF CONSCIENCE AND ACTION.
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IRS990/Desc0CONSTRUCTION AND REHABILITATION OF HOMES - THE PURPOSE OF THE ORGANIZATION IS TO PLACE LOW-INCOME PERSONS INTO DESIRABLE HOUSING, UTILIZING VOLUNTEER LABOR TO THE EXTENT PRACTICAL AND SOLICITING DONATIONS OF MONEY AND MATERIALS/SERVICES. HOUSES ARE SOLD AT THEIR APPRAISED VALUE. MONTHLY PAYMENTS MAY NOT EXCEED 30% OF HOUSEHOLD GROSS INCOME AND DO NOT IMPOSE INTEREST CHARGES. IT IS THE OBJECTIVE OF THE ORGANIZATION TO CONSTRUCT AND SELL ONE TO TWO HOMES A YEAR, DEPENDENT ON THE AVAILABILITY OF AFFORDABLE LAND AND THE GENEROSITY OF DONORS. HOME PRESERVATION SERVES AS A COMPANION TO OUR CORE BUILDING PROGRAM, ENABLING US TO SERVE MORE FAMILIES, INCREASE OPPORTUNITIES FOR VOLUNTEERS AND EXPAND OUR BASE OF SPONSORS. HOME PRESERVATION IS AN EXTERIOR HOME PRESERVATION PROGRAM THAT PROVIDES PAINTING, LANDSCAPING, AND MINOR REPAIR. HOME PRESERVATION HELPS LOW-INCOME HOMEOWNERS IMPACTED BY AGE, DISABILITY AND FAMILY CIRCUMSTANCES, WHO STRUGGLE TO MAINTAIN THE EXTERIOR OF THEIR HOMES, RECLAIM THEIR HOMES WITH PRIDE AND DIGNITY. MOST IMPORTANTLY, HOME PRESERVATION IS PART OF HABITAT'S BROADER COMMUNITY DEVELOPMENT STRATEGY, WHICH ASSISTS COMMUNITIES AS WELL AS FAMILIES. IT REVITALIZES THE APPEARANCE OF THE NEIGHBORHOOD, STRENGTHENS CONNECTIONS WITHIN THE COMMUNITY, AND HELPS PRESERVE AND CREATE AFFORDABLE HOUSING STOCK.
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IRS990/ProgSrvcAccomActy2Grp/Desc0FAMILY SUPPORT AND EDUCATION - THIS PROGRAM WAS ESTABLISHED TO PROVIDE SUPPORT TO POTENTIAL HABITAT HOMEBUYERS AND EDUCATE THEM IN FINANCIAL AND HOME MAINTENANCE SKILLS.
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