Uncategorized IRS Verified DX Registered 990 on File

TWO RIVERS HABITAT FOR HUMANITY

EIN: 41-1664586 · ROCHESTER, MN 55902-1080 · United States · FY 2025 Data

3 out of 5 59 / 100 Based on 2+ years of filings

Financial strength (30%) 94/100

Reliability (20%) 55/100

Effectiveness (25%) 85/100

Impact (25%) No data yet

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

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Financial Overview — FY 2025

$2.2M

Total Revenue

$2.5M

Total Expenses

$2.1M

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 81.5%

Fundraising Efficiency N/A

Operating Reserve 10.01x

Liability-to-Asset 53.9%

Revenue Diversification 37.1%

Executive Compensation $120K

Compared with Peers

Peer comparison is not available for this organization.

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$2.2M	$2.5M	$2.1M	81.5%	21
2024	$1.7M	$2.2M	$2.4M	84.1%	21
2023	$1.4M	$1.3M	$2.8M	80.3%	20
2022	$2.4M	$1.7M	$2.7M	90.9%	18
2021	$1.6M	$1.5M	N/A	—	17

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Organization Details

EIN: 41-1664586
State: MN
City: ROCHESTER
ZIP: 55902-1080
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 1990
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.
An organization that is not in good standing with its registry (for example a revoked tax exemption) is shown as Not rated.
"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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