Housing & Shelter (L20Z) 990 on File

HABITAT FOR HUMANITY INTERNATIONAL

EIN: 16-1436149 · NIAGARA FALLS, NY 14304-3220 · United States · FY 2025 Data

3 out of 5 56 / 100 Based on 2+ years of filings

Financial strength (30%) 83/100

Reliability (20%) 55/100

Effectiveness (25%) 81/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 9/13/2026

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CharityAI™ Score

Not yet evaluated

Financial Overview — FY 2025

$696K

Total Revenue

$606K

Total Expenses

$716K

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 85.3%

Fundraising Efficiency 74.0%

Operating Reserve 14.17x

Liability-to-Asset 9.0%

Revenue Diversification 75.8%

Executive Compensation $81K

Compared with Peers

FY 2025

Compared with 2,936 similar organizations (United States, Housing & Shelter, $100K–$1M in expenses), FY 2025.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	85.3%	87.3%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	12.1%	11.8%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	2.6%	0.0%	P10P90	Bottom quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	74.0%	24.3%	P10P90	Bottom quarter
Operating reserve Months of expenses covered by net assets · higher is better	14.2 mo	13.5 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	9.0%	21.9%	P10P90	Above median
Revenue concentration Share of revenue from the largest source · lower is better	75.8%	90.8%	P10P90	Above median
Revenue growth Year over year revenue growth	16.7%	4.8%	P10P90
Expense growth Year over year expense growth	-0.8%	4.2%	P10P90
Surplus margin Surplus as a share of revenue	12.9%	-6.0%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$696K	$606K	$716K	85.3%	5
2024	$597K	$611K	$626K	84.4%	4
2023	$258K	$263K	$640K	65.1%	3
2022	$364K	$330K	$645K	75.1%	3
2021	$428K	$344K	N/A	—	2

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Organization Details

EIN: 16-1436149
State: NY
City: NIAGARA FALLS
ZIP: 14304-3220
Classification: L20Z
Category: Housing & Shelter
Rating: 3★
Coverage: A
Last Updated: Aug 2026
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

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The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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