Civic Intelligence

Indian River County Habitat

EIN 65-0230079 • 501(c)3 • Vero Beach, FL

Profile

More than 1,500 habitat for humanity affiliates are at work in the united states, building houses in partnership with people in need of decent, affordable housing. Habitat houses are purchased by families at prices affordable to low-income americans, thanks to the donated labor of habitat volunteers, the support of partner organizations and the no-profit, no- interest terms of each u.s. Habitat for humanity mortgage.

4568 N US Highway 1Vero Beach, FL 32967

www.irchabitat.org

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.20x

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

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

Liabilities / Revenue

60th percentile

0.33x

Higher debt load relative to revenue than 60% of similar nonprofits.

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

Net Margin

48th percentile

3.7%

Higher net margin than 48% of similar nonprofits.

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

Top Officer Pay

42nd percentile

$163,557

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

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

Asset Growth

45th percentile

3.0%

Faster asset growth than 45% of similar nonprofits.

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

Revenue Growth

78th percentile

32%

Faster revenue growth than 78% of similar nonprofits.

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

Assets

Up

$21,796,919

Up $643,747 (+3.0%) from 2024

Liabilities

Up

$4,459,852

Up $87,862 (+2.0%) from 2024

Net Assets

Up

$17,337,067

Up $555,885 (+3.3%) from 2024

Revenue

Up

$13,417,793

Up $3,220,752 (+32%) from 2024

Expenses

Up

$12,917,147

Up $3,484,227 (+37%) from 2024

Net Income

Down

$500,646

Down $263,475 (-34%) from 2024

Trend Graphs

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2011: $19,841,449Liabilities 2011: $6,901,414Net Assets 2011: $12,940,0352011Assets 2012: $18,741,561Liabilities 2012: $7,245,462Net Assets 2012: $11,496,0992012Assets 2013: $19,686,879Liabilities 2013: $9,224,792Net Assets 2013: $10,462,0872013Assets 2014: $16,692,117Liabilities 2014: $8,307,335Net Assets 2014: $8,384,7822014Assets 2015: $17,268,472Liabilities 2015: $7,394,290Net Assets 2015: $9,874,1822015Assets 2016: $17,594,293Liabilities 2016: $7,672,028Net Assets 2016: $9,922,2652016Assets 2017: $13,419,520Liabilities 2017: $2,889,284Net Assets 2017: $10,530,2362017Assets 2018: $14,372,435Liabilities 2018: $2,746,896Net Assets 2018: $11,625,5392018Assets 2019: $16,610,992Liabilities 2019: $4,622,114Net Assets 2019: $11,988,8782019Assets 2020: $17,457,478Liabilities 2020: $4,812,267Net Assets 2020: $12,645,2112020Assets 2021: $18,003,337Liabilities 2021: $3,222,537Net Assets 2021: $14,780,8002021Assets 2022: $18,200,555Liabilities 2022: $3,180,255Net Assets 2022: $15,020,3002022Assets 2023: $19,293,210Liabilities 2023: $3,276,149Net Assets 2023: $16,017,0612023Assets 2024: $21,153,172Liabilities 2024: $4,371,990Net Assets 2024: $16,781,1822024Assets 2025: $21,796,919Liabilities 2025: $4,459,852Net Assets 2025: $17,337,0672025

Highlighted filing

2025

Assets$21,796,919
Liabilities$4,459,852
Net Assets$17,337,067

Operations Trend

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $5,659,257Expenses 2011: $6,612,832Net Income 2011: -$953,5752011Revenue 2012: $4,994,127Expenses 2012: $6,438,063Net Income 2012: -$1,443,9362012Revenue 2013: $5,261,062Expenses 2013: $6,295,074Net Income 2013: -$1,034,0122013Revenue 2014: $5,316,486Expenses 2014: $5,176,291Net Income 2014: $140,1952014Revenue 2015: $7,071,778Expenses 2015: $5,761,231Net Income 2015: $1,310,5472015Revenue 2016: $5,272,754Expenses 2016: $5,224,671Net Income 2016: $48,0832016Revenue 2017: $6,341,218Expenses 2017: $5,733,247Net Income 2017: $607,9712017Revenue 2018: $6,295,002Expenses 2018: $5,199,699Net Income 2018: $1,095,3032018Revenue 2019: $5,749,175Expenses 2019: $5,385,836Net Income 2019: $363,3392019Revenue 2020: $5,396,914Expenses 2020: $4,740,581Net Income 2020: $656,3332020Revenue 2021: $5,640,655Expenses 2021: $4,775,772Net Income 2021: $864,8832021Revenue 2022: $5,583,419Expenses 2022: $5,343,919Net Income 2022: $239,5002022Revenue 2023: $8,188,496Expenses 2023: $7,191,737Net Income 2023: $996,7592023Revenue 2024: $10,197,041Expenses 2024: $9,432,920Net Income 2024: $764,1212024Revenue 2025: $13,417,793Expenses 2025: $12,917,147Net Income 2025: $500,6462025

Highlighted filing

2025

Revenue$13,417,793
Expenses$12,917,147
Net Income$500,646

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.8$4.46$17.3$13.4$12.9$0.50
2024Summary only. Only limited summary data is available for this year.$21.2$4.37$16.8$10.2$9.43$0.76
2023Summary only. Only limited summary data is available for this year.$19.3$3.28$16.0$8.19$7.19$1.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.2$3.18$15.0$5.58$5.34$0.24
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.0$3.22$14.8$5.64$4.78$0.86
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.5$4.81$12.6$5.40$4.74$0.66
2019Summary only. Only limited summary data is available for this year.$16.6$4.62$12.0$5.75$5.39$0.36
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.4$2.75$11.6$6.30$5.20$1.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$2.89$10.5$6.34$5.73$0.61
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.6$7.67$9.92$5.27$5.22$0.05
2015Detailed filing. Detailed filing data is available for this year.$17.3$7.39$9.87$7.07$5.76$1.31
2014Detailed filing. Detailed filing data is available for this year.$16.7$8.31$8.38$5.32$5.18$0.14
2013Summary only. Only limited summary data is available for this year.$19.7$9.22$10.5$5.26$6.30$1.03
2012Summary only. Only limited summary data is available for this year.$18.7$7.25$11.5$4.99$6.44$1.44
2011Summary only. Only limited summary data is available for this year.$19.8$6.90$12.9$5.66$6.61$0.95
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Nov 3, 2015
Return Version
2014v5.0
Gross Receipts
$8,021,687
Mission and Program Overview

Mission

Nearly 1,075 habitat for humanity affiliates are at work in the united states, building and renovating houses in partnership with people in need of decent,affordable housing. Habitat houses are purchased by families at prices affordable to low-income americans, thanks to the donated labor of habitat volunteers, the support of partner organizations and the no-profit, no-interest terms of each u.s. Habitat for humanity mortgage.

More than 1,500 habitat for humanity affiliates are at work in the united states, building houses in partnership with people in need of decent, affordable housing. Habitat houses are purchased by families at prices affordable to low-income americans, thanks to the donated labor of habitat volunteers, the support of partner organizations and the no-profit, no- interest terms of each u.s. Habitat for humanity mortgage.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$6,439,631$6,102,794▼ $336,837
Investments Program Related$4,948,894$4,998,549▲ $49,655
Other Notes and Loans Receivable, Net$2,780,804$3,176,426▲ $395,622
Inventories for Sale or Use$1,094,560$1,693,493▲ $598,933
Cash and Non-Interest-Bearing Accounts$1,047,496$928,213▼ $119,283
Pledges and Grants Receivable$125$119,600▲ $119,475
Accounts Receivable$62,366$2,117▼ $60,249
Total Assets$16,692,117$17,268,472▲ $576,355
Other Assets Total$318,241$247,280▼ $70,961
Liabilities
Other Liabilities$7,406,460$6,806,017▼ $600,443
Escrow Account Liability$567,367$297,679▼ $269,688
Accounts Payable and Accrued Expenses$195,398$290,594▲ $95,196
Mortgage Notes Payable Secured by Investment Property$138,110--
Total Liabilities$8,307,335$7,394,290▼ $913,045
Net Assets / Fund Balance
Unrestricted Net Assets$8,251,661$9,282,135▲ $1,030,474
Temporarily Rstr Net Assets$133,121$592,047▲ $458,926
Total Net Assets Fund Balance$8,384,782$9,874,182▲ $1,489,400
Total Liabilities and Net Assets / Fund Balance$16,692,117$17,268,472▲ $576,355

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$5,517,377$981,133$3,867,235
Land$585,417-$585,417
Investment Program Related Org$4,998,549--
Compensation and Service Providers

Board Members and Trustees

NameTitle
David ColcloughBod Chair
Andrew R BowlerPresident
Clifford MelvinVice Chair
Andy JordanDirector
Bruce BarkettDirector
Carol TraxDirector
Dan LautenbachDirector
Douglas FeekDirector
Freddie WoolforkDirector
Helen CrockettDirector
Isabel MarronDirector
Lawrence LaufferDirector
Rene DonarsDirector
Roger LajoieDirector
Susan BilleroDirector
Todd HeckmanDirector
Connie PoppellSecretary
Jim BeindorfTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,918,993
Program Service Revenue
$2,962,276
Investment Income
$95,038
Other Revenue
$1,095,471
All Other Contributions
$2,143,485
Change in Net Assets
$1,310,547

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
Other Non Cash Contri Table1$194,105
Total Noncash Contributions1$194,105

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,071,778
Revenue Not Reported on Form 990
$944,987
Total Revenue per Audited Statements
$8,016,765
Total Revenue per Form 990
$7,071,778
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,628,614
Salaries, Compensation, and Employee Benefits$1,132,617
Total Fundraising Expense$258,684
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$563,010$164,552$153,803$881,365
All Other Expenses$527,737$27,282$53,950$608,969
Other Expenses$221,207--$221,207
Other Employee Benefits$134,205$23,133$26,490$183,828
Interest$70,880--$70,880
Payroll Taxes$43,070$12,588$11,766$67,424
Depreciation Depletion$22,135$17,216$7,993$47,344
Occupancy$8,085$1,302$2,646$12,033
Travel$3,348$4,658$608$8,614
Advertising$1,000-$1,428$2,428
Total Functional Expenses$5,251,816$250,731$258,684$5,761,231

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$6,706,218
Expenses per Audited Statements$5,761,231
Total Expenses per Form 990$5,761,231
Expenses Not Reported on Form 990$944,987
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$1,937,921
Fundraising Direct Expenses$944,987
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Sale of Donated$1,581,893$1,581,893$854,010$727,883
Fundraising$356,028$356,028$90,977$265,051
Total Events$1,937,921$1,937,921$944,987$992,934
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
New Market Tax Credit Loan Payable$6,000,000
Line of Credit$630,714
S.h.o.p. Note Payable$154,134
Ship Payable$21,169
Escrow & Warranty Deposits-
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 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

Review will be conducted by all members of the board of directors prior to submission

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

Monitored and enforced by means of knowing our business partners, polling the board members, and reiterating the written policy.

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

The performance evaluation of the president of the organization is initiated by the chairperson of the board, and the executive committee of the board reviews and completes the evaluation.

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

The indian river habitat for humanity board of directors contracts an independent third party to examine all positions in the organization with regard to compensation. Such an analysis is contracted approximately every third year and includes a comparison of compensation and benefits amoung not-for-profit and for-profit organizations. Performance evaluations are the basis of increases to compensation and are completed by the immediate supervisor of each position, which are then reviewed by the next higher level of management. Senior managerial performance evaluations are reviewed by the chairperson of the board of directors.

Form 990, Page 6, Part VI, Line 19

Financial statements on website

Filing and Contact Details

Filer

Filer Name
Indian River County Habitat
EIN
65-0230079
Phone
7725629860
Address
4568 N US HIGHWAY 1, VERO BEACH, FL 32967

Signing Officer

Name
Andrew R Bowler
Title
President
Phone
7725629860
Signed
2015-11-03

Organization Details

Principal Officer
Andrew R Bowler
Formed
1990
Legal Domicile
Fl
Voting Board Members
17
Independent Board Members
17
Employees
45
Volunteers
1,000

Preparer

Firm
Kmetz Nuttall Elwell Graham Pllc
Address
2800 OCEAN DRIVE, VERO BEACH, FL 32963-2064
Preparer
Patrick K Graham CPA
Phone
7722316902
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

More than 1,500 habitat for humanity affiliates are at work in the united states, building houses in partnership with people in need of decent, affordable housing. Habitat houses are purchased by families at prices affordable to low-income americans, thanks to the donated labor of habitat volunteers, the support of partner organizations and the no-profit, no- interest terms of each u.s. Habitat for humanity mortgage.

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

Kids to neighborhood schools, continue to work in local jobs, contribute to the community and the local economy, and enjoy the stability that comes with being a homeowner.

Form 990, Part IX, Line 24E

Construction supplies 168,467 0 0 office expenses & misc 97,678 10,180 9,346 nmtc expense 85,372 0 0 professional services 72,379 3,062 3,694 insurance 36,436 7,314 10,024 repairs/maintenance 27,746 2,654 3,140 postage and printing 2,280 478 17,734 volunteer recognition 11,509 0 5,782 utilities 13,076 1,345 1,594 telephone 7,322 1,415 513 property taxes 5,472 834 916 public relations 0 0 1,207

Form 990, Part XI, Line 9

Direct expenses for home center netted with revenues 854,010 direct expenses netted with fundraising activities 90,977 direct expenses netted with fundraising activities -854,010 direct expenses for home center netted with revenues -90,977

Form 990, Part XI, Line 9

Indian river habitat for humanity has recorded a prior period adjustment totaling 178,853 as of june 30, 2014 to reflect a change in the valuation of inventory held at the home center. The adjustment reflects the cumulative affect on inventory and on beginning net assets to reflect inventory held at sale prices based on detail pos valuations at that date.

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

The organization holds amounts received from homeowners in escrow for property taxes and insurance.

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

Direct expenses for home center netted with revenues 854,010 direct expenses netted with fundraising activities 90,977

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

Direct expenses netted with fundraising activities 854,010 direct expenses for home center netted with revenues 90,977

Raw XML AppendixShowing 400 of 554 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/Desc0SEE SCHEDULE O DURING THIS FISCAL YEAR, INDIAN RIVER HABITAT FOR HUMANITY HELPED TO PROVIDE DECENT AFFORDABLE HOUSING FOR 27 FAMILIES IN INDIAN RIVER COUNTY THROUGH THE BUILDING OR RENOVATING OF HOUSES. HOMES FOR AN ADDITIONAL 51 FAMILIES WERE OBTAINED THROUGH INTERNATIONAL TITHING. THE AFFILIATE ENGAGED IN 67 REPAIR PROJECTS FOR THE ELDERLY, THE INFIRMED, AND VETERANS WHO OWN AND OCCUPY THEIR HOMES. OVER 1,000 VOLUNTEERS WERE MOBILIZED LOCALLY TO WORK TOGETHER TO ACHIEVE THESE ACCOMPLISHMENTS. HOMEOWNERS ATTENDED BUDGET COUNSELING AND HOMEOWNERSHIP WORKSHOPS. GOING FORWARD, THEY WILL PAY LOW-COST, NO-INTEREST MORTGAGES, WHICH WILL HELP CREATE A PERPETUAL SOURCE OF FUNDING FOR FUTURE PROJECTS. THEY WILL SEND THEIR KIDS TO NEIGHBORHOOD SCHOOLS, CONTINUE TO WORK IN LOCAL JOBS, CONTRIBUTE TO THE COMMUNITY AND THE LOCAL ECONOMY, AND ENJOY THE STABILITY THAT COMES WITH BEING A HOMEOWNER.
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IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
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IRS990ScheduleD/LandGrp/BookValueAmt0585417

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