Housing & Shelter (L20Z) IRS Verified DX Registered 990 on File

HABITAT FOR HUMANITY OF COASTAL FAIRFIELD COUNTY INC

EIN: 22-2597077 · STRATFORD, CT 06615-6442 · United States · FY 2025 Data

4 out of 5 67 / 100 Based on 2+ years of filings

Financial strength (30%) 79/100

Reliability (20%) 55/100

Effectiveness (25%) 85/100

Impact (25%) 45/100

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

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Mission Statement

Habitat for Humanity of Coastal Fairfield County builds communities and improves lives by eliminating substandard housing and creating homeownership possibilities for families of low-income. Habitat CFC has a proud 32 year history and well-earned reputation for success throughout the region. We are a developer with a commitment to “green” construction, a family service agency, non-profit financial institution, community advocate and provider of over 7,000 volunteer opportunities each year. Habitat CFC transforms abandoned properties into homes for tax paying, law abiding, and contributing community members. Since 1985 Habitat CFC has built over 200 homes for nearly 1,000 family members in our region and are proud to report a success rate of over 95%.

Financial Overview — FY 2025

$6.4M

Total Revenue

$7.0M

Total Expenses

$13.2M

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 84.7%

Fundraising Efficiency 190.3%

Operating Reserve 22.71x

Liability-to-Asset 39.1%

Revenue Diversification 64.2%

Executive Compensation $289K

Compared with Peers

FY 2025

Compared with 1,101 similar organizations (United States, Housing & Shelter, $1M–$10M 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	84.7%	86.6%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	9.4%	10.4%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	5.9%	0.0%	P10P90	Bottom quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	190.3%	234.8%	P10P90	Above median
Operating reserve Months of expenses covered by net assets · higher is better	22.7 mo	13.6 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	39.1%	30.2%	P10P90	Below median
Revenue concentration Share of revenue from the largest source · lower is better	64.2%	88.1%	P10P90	Top quarter
Surplus margin Surplus as a share of revenue	-8.9%	4.4%	P10P90

Impact

1 program

Outcome / Program	People Served	Cost / Service	# Completed	Duration
Qualified applicant purchases a zero-interest, at cost mortgage, down-payment and a pro-bono atty.	6	$200,000.00	—	Lifetime

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$6.4M	$7.0M	$13.2M	84.7%	31
2023	$5.8M	$5.4M	$13.7M	80.4%	36
2022	$12.2M	$6.3M	$13.3M	87.3%	33
2021	$5.8M	$5.0M	N/A	—	28

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Organization Details

EIN: 22-2597077
State: CT
City: STRATFORD
ZIP: 06615-6442
Classification: L20Z
Category: Housing & Shelter
Rating: 4★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 41
Foundation Code: 15
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

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
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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"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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