Housing & Shelter
(L20Z)
IRS Verified
DX Registered
990 on File
HABITAT FOR HUMANITY OF GREATER CHATTANOOGA
Financial strength (30%)
79/100
Reliability (20%)
55/100
Effectiveness (25%)
90/100
Impact (25%)
No data yet
CharityAI™ Score
Not yet evaluated
Mission Statement
HFHGCA's mission is: To work with God and people everywhere, from all walks of life to develop communitities with people need by building homes so there are decent homes in decent communities in which every person can experience God's love and can live and grow into all that God intends.
Financial Overview — FY 2025
$4.3M
Total Revenue
$2.9M
Total Expenses
$7.3M
Net Assets
41
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
90.9%
Fundraising Efficiency
36.8%
Operating Reserve
30.16x
Liability-to-Asset
6.4%
Revenue Diversification
71.5%
Executive Compensation
$272K
Compared with Peers
FY 2025
Compared with 1,412 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
|
90.9% | 86.2% |
P10P90
|
Above median |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
5.5% | 10.9% |
P10P90
|
Top quarter |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
3.6% | 0.0% |
P10P90
|
Bottom quarter |
|
Fundraising efficiency
Fundraising expenses / gross fundraising income
· lower is better
|
36.8% | 218.0% |
P10P90
|
Top quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
30.2 mo | 12.4 mo |
P10P90
|
Above median |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
6.4% | 34.5% |
P10P90
|
Top quarter |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
71.5% | 87.8% |
P10P90
|
Above median |
|
Revenue growth
Year over year revenue growth
|
-3.7% | 5.8% |
P10P90
|
|
|
Expense growth
Year over year expense growth
|
-9.9% | 5.3% |
P10P90
|
|
|
Surplus margin
Surplus as a share of revenue
|
32.7% | 3.8% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $4.3M | $2.9M | $7.3M | 90.9% | 41 |
| 2024 | $4.5M | $3.2M | $5.9M | 91.8% | 29 |
| 2023 | $3.4M | $2.7M | $4.6M | 89.9% | 44 |
| 2022 | $4.4M | $3.0M | N/A | — | 43 |
| 2021 | $3.1M | $3.0M | N/A | — | 48 |
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