Habitat for Humanity International
Summary
Habitat for Humanity International ("HFHI") is a nonprofit, nondenominational Christian housing organization. They welcome all people to join them as they build simple, decent, affordable, houses in partnership with those in need of adequate shelter. Habitat houses are purchased by the homeowner families. Three factors make Habitat houses affordable to low-income people worldwide: Houses are sold at no profit, with no interest charged on the mortgage. Homeowners and volunteers build the houses under trained supervision. Individuals, corporations, faith groups and others provide financial support. Habitat for Humanity's work is organized at the local level by more than 2,200 affiliates worldwide. Affiliates coordinate house building and select partner families. Homeowner families are chosen according to their need; their ability to repay the no-profit, no-interest mortgage; and their willingness to work in partnership with HFHI.
This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by the law.
Contact Information: [ Back to top ]
| Mailing Address: | 121 Habitat St.
Americus, GA
31709-3498 |
| Website: | www.habitat.org |
| Phone: | (229) 924-6935, (800) 422-4828 |
| Email: | You need to enable javascript to see the email |
Organization Details [ Back to top ]
EIN: 911914868
| CEO/President: |
Mr. Jonathan Reckford |
Tax Deductible: |
Yes |
| Chairman: |
Mr. Ron Terwilliger |
Fiscal Year End: |
June 30 |
| Board Size: |
31 |
Financial info from: |
990 |
| Founder: |
Mr. Millard Fuller |
Member of ECFA: |
No |
| Year Founded: |
1976 |
Member of ECFA since: |
|
Habitat for Humanity International ("HFHI") is a nonprofit, nondenominational Christian housing organization. They welcome all people to join them as they build simple, decent, affordable, houses in partnership with those in need of adequate shelter.
Habitat houses are purchased by the homeowner families with three factors that make these houses affordable to low-income people worldwide. They are as follows: 1. Houses are sold at no profit, with no interest charged on the mortgage. 2. Homeowners and volunteers build the houses under trained supervision. 3. Individuals, corporations, faith groups and others provide financial support.
HFHI's work is organized at the local level by more than 2,200 affiliates worldwide. Affiliates coordinate house building and select partner families. Homeowner families are chosen according to their need; their ability to repay the no-profit, no-interest mortgage; and their willingness to work in partnership with HFHI.
This organization is a nonprofit. Contributions to it are fully tax deductible to the extent allowed by the law.
Habitat for Humanity International uses the following to express its mission:
The work of Habitat for Humanity is driven by the desire to give tangible expression to the love of God through the work of eliminating poverty housing. Habitat's mission and methods are predominantly derived from three key theological concepts: the necessity of "putting faith into action", the "economics of Jesus" and the "theology of the hammer."
1. Putting Faith Into Action
Habitat for Humanity's ministry is based on the conviction that to follow the teachings of Jesus Christ we must reflect Christ's love in our own lives by loving and caring for one another. Our love must not be words only -- it must be true love, which shows itself in action. Habitat provides an opportunity for people to put their faith and love into action, bringing diverse groups of people together to make affordable housing and better communities a reality for everyone.
2. The Economics of Jesus
When people act in response to human need, giving what they have without seeking profit or interest, we believe God magnifies the effects of our efforts. Habitat refers to this perspective as "the economics of Jesus." Together, the donated labor of construction volunteers, the support of partner organizations and the homeowners' "sweat equity" make Habitat's house-building possible. By sharing resources with those in need, Habitat volunteers and supporters have made decent, affordable housing a reality for more than 125,000 families worldwide.
3. The Theology of the Hammer
Habitat is a partnership founded on common ground -- bridging theological differences by putting love into action. Everyone can use the hammer as an instrument to manifest God's love. Habitat Founder and President Millard Fuller calls this concept "the theology of the hammer," explaining, "we may disagree on all sorts of other things... but we can agree on the idea of building homes with God's people in need, and in doing so using biblical economics: no profit and no interest."
Habitat for Humanity welcomes all people to build with us in partnership. "The Bible teaches that God is the God of the whole crowd," explains Fuller. "God's love leaves nobody out, and my love should not either. This understanding drives 'the theology of the hammer' around the world, steadily building more and more houses in more and more countries."
Program Accomplishments [ Back to top ]
At the close of FY 2003, Habitat for Humanity was working in 89 nations and had built over 150,000 houses. The organization has 1,673 affiliates in the United States and a total of 2,291 worldwide.
Statement of Faith [ Back to top ]
Habitat for Humanity has not provided a Statement of Faith. At such time that MinistryWatch receives such, it will be posted on the ministry's profile.
Since its founding in 1976 by Millard and Linda Fuller, HFHIl has built and rehabilitated more than 125,000 houses with families in need, becoming a true world leader in addressing the issues of poverty housing.
Koinonia Farm and the Fund for Humanity:
The concept that grew into Habitat for Humanity International was born at Koinonia Farm, a small, interracial, Christian farming community founded in 1942 outside of Americus, Ga. by farmer and biblical scholar Clarence Jordan. The Fullers first visited Koinonia in 1965, having recently left a successful business in Montgomery, Ala. At Koinonia Farm, Jordan and Fuller developed the concept of "partnership housing" -- where those in need of adequate shelter worked side by side with volunteers to build simple, decent houses.
The houses were built with no profit added and no interest charged. Building was financed by a revolving Fund for Humanity. The fund's money came from the new homeowners' house payments, donations and no-interest loans provided by supporters, and money earned by fund-raising activities. The monies in the Fund for Humanity was used to build more houses.
An open letter to the friends of Koinonia Farm told of the new future for Koinonia: "What the poor need is not charity but capital, not caseworkers but co-workers. And what the rich need is a wise, honorable and just way of divesting themselves of their overabundance. The Fund for Humanity met both of these needs. Money for the fund came from shared gifts by those who feel they had more than they need and from non-interest bearing loans from those who could not afford to make a gift but who wanted to provide working capital for the disinherited. . . . The fund will give away no money. It is not a handout."
In 1968, Koinonia Farm laid out 42 half-acre house sites with four acres reserved as a community park and recreational area. Capital was donated from around the country to start the work. Homes were built and sold to families in need at no profit and no interest. The basic model of Habitat for Humanity took form.
Zaire
In 1973, the Fullers decided to apply the Fund for Humanity concept in developing countries. The Fuller family moved to Mbandaka, Zaire (now the Democratic Republic of Congo). The Fullers' goal was to offer affordable yet adequate shelter to 2,000 people. After three years of hard work to launch a successful house building program, the Fullers returned to the United States.
Habitat for Humanity International
In September 1976, Millard and Linda called together a group of supporters to discuss the future of their dream. Habitat for Humanity International (HFHI) as an organization was born at this meeting. The eight years that followed, vividly described in Millard Fuller's book, Love in the Mortar Joints, proved that the vision of a housing ministry was workable. Faith, hard work, and direction set HFHI on its successful course.
Phenomenal Growth
In 1984, former U.S. President Jimmy Carter and his wife, Rosalynn, took their first Habitat for Humanity work trip, the "Jimmy Carter Work Project," to New York City. Their personal involvement in HFHI's ministry brought the organization national visibility and sparked interest in HFHIt's work across the nation. HFHI experienced a dramatic increase in the number of new affiliates around the country.
The Results
Through the work of HFHI, thousands of low-income families have found new hope in the form of affordable housing. Churches, community groups and others have joined together to successfully tackle a significant social problem -- decent housing for all.
Today, Habitat for Humanity has built more than 125,000 houses, sheltering more than 625,000 people in some 3,000 communities worldwide.
Habitat for Humanity International has affiliates in all 50 United States, and in every country and province listed on their website at http://www.habitat.org/local/ . If you still have problems finding an affiliate close to you, please email your name and address to publicinfo@hfhi.org or call (229) 924-6935 ext. 2551 or 2552.
Research Analysis
Transparency Grade [ Back to top ]
| Transparency Grade of : A |
| Criteria category | Grade | Other Comments |
| Timeliness: | 100 | |
| Financial Information: | 100 | |
| Foundational Clarity: | | |
| Level of Cooperation: | | |
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MinistryWatch.com 5 Star Financial Efficiency Ratings [ Back to top ]
| Ranking Category | Rating | Overall Rank | Community Development Sector |
|---|
| Overall Efficiency Rating |  | 258 of 352 | 14 of 23 |
| Fund Acquisition Decision |  | 331 of 352 | 22 of 23 |
| Resource Allocation Decision | | 154 of 352 | 9 of 23 |
| Asset Utilization Decision | | 207 of 352 | 11 of 23 |
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MinistryWatch.com?s Take
December 2002
By Andy Preslar and Rodney Pitzer
Habitat for Humanity International is a leader in reducing poverty housing by building houses around the world so that people can have a simple, decent place to live on terms they can afford to pay. MinistryWatch.com is able to conclude that Habitat utilizes a greater portion of its financial resources to support its fundraising activities than other ministries; however, Habitat demonstrates superior transparency with regard to its finances.
Essence of Ministry
Something is going on in Georgia?s Sumter County. You know this is the case not so much by what you see as by what you don?t see. What you don?t see in Sumter County is sub-standard housing. The elimination of poverty housing in Sumter County is, in large part, the result of the vision and efforts of Millard Fuller, founder and president of Habitat for Humanity International.
As the name of his organization implies, Fuller?s vision extends well beyond the area immediately surrounding his modest office in Americus, Georgia. Habitat for Humanity exists in order to ?eliminate poverty housing and homelessness from the face of the Earth.? This is an extraordinary, many will say impossible, goal. Fuller, however, is not daunted by the immensity of the task, and Habitat for Humanity is working across the globe to build decent homes for poor families.
Origin and History of Ministry
Habitat for Humanity was founded in 1976 by Millard and Linda Fuller. It was through the influence of Dr. Clarence Jordan that the Fuller?s first became motivated to help poor families get out of slums and shacks and into decent, affordable housing.
The greatest fruit of this new direction was the development of a ?Fund for Humanity,? whereby modest, yet decent houses were built for poor farmers, who would occupy the homes not as tenants, but as homeowners. Jordan and Fuller would sell the houses for no profit and charge no interest. The homeowners would buy on a 20-year mortgage, and their payments would go toward replenishing the ?Fund for Humanity.? This method of providing housing for the poor became the basic model of Habitat for Humanity.
In 1973 Fuller left Koinonia for Zaire, where he worked on a variety of projects, including the construction of 114 homes. In 1976 he returned to Georgia, and with his wife Linda, founded Habitat for Humanity. The organization grew slowly, but steadily, and since those early days, Habitat for Humanity has grown into one of the largest homebuilders in the country (helped in large part by the PR it received due to Jimmy Carter?s involvement beginning in 1984).
In the 26 years of its existence, Habitat for Humanity has built over 120,000 homes worldwide, providing decent and affordable housing for over 600,000 low-income persons.
Organization and Strategy of Ministry
Habitat for Humanity is organized on a local level, with some 2,000 affiliates existing worldwide. Habitat enjoys great popularity among college students, having some 600-campus chapters. Each of Habitat?s affiliates is an independent corporation, so there is no top-down hierarchy, and Fuller himself doesn?t give orders. Each affiliate is responsible to organize and mobilize its community to put Habitat?s overall strategy into effect.
The strategy used by Habitat for Humanity to implement the goal of providing affordable housing for the poor can be summarized as follows:
- Houses are sold for no-profit on an interest-free mortgage.
- Houses are built by homeowners and volunteers under trained supervision.
- Building is financed largely by charitable donations.
It is important to note that the homeowners are required to put in some 500 hours of work on their homes. Thus, what Habitat for Humanity does is to provide a helping hand to those who are willing to work for a better life.
The following criteria are used by Habitat for Humanity as the basis for selecting homeowners:
- need
- ability to repay
- willingness to work
Habitat for Humanity is building homes in 76 countries worldwide. The backbone of the organization is its local affiliates, and the thousands upon thousands of volunteers and supporters who donate time, sweat, and money to help their fellow man. Habitat promotes its mission and encourages volunteer turnout by a variety of programs, including:
- Corporate Partnerships: encourages co-workers to unite and participate in a Habitat house build
- ?Global Village?: tours of countries in which Habitat works
- ?Women Build?: all-women crews of builders
- Campus Chapters and Youth Programs: brings young people together for Habitat projects
- Church Relations: appeals to local congregations to put their faith to action
Principles of Ministry
Habitat for Humanity is forthright and unabashed about its identity as a Christian ministry. Fuller himself confesses belief in Jesus Christ as ?the way, the truth, and the life.? In Habitat?s bi-monthly publication, Habitat World, the organization?s stated goal is ?eliminating inadequate and poverty housing as a witness to the gospel of Jesus Christ.? Bibles are handed out with house keys to the owners of Habitat homes, and devotions are usually, though not always, held at the beginning of workdays. The strength of Habitat?s Christian identity varies from affiliate to affiliate, because there is no doctrinal statement imposed from the top down (in keeping with Habitat?s principle of local organization). In spite of its self-professed Christian identity, Habitat does not discriminate on the basis of faith. Anyone who shares Habitat?s vision of eliminating sub-standard housing is welcome to join the team, whatever their religion (or lack thereof). In Fuller?s words: ?I want to keep Habitat firmly Christian, but I also want it to be very open.?
5 Star Financial Efficiency Ratings
- Habitat for Humanity International had a below average rating due primarily to a larger amount of fundraising expenses than the average organization. Its fundraising expenses were more than three times that of the average ministry, at about 21%.
- Affiliate offices operate under a covenant agreement with Habitat. All affiliates are encouraged to be self-supporting in their fund-raising efforts; however, Habitat also solicits contributions, both cash and in-kind on behalf of its affiliates. Some affiliates in developing countries, where severely limited resources constrain local fund-raising, receive the majority of their funding from Habitat.
Financial Quick Take
- The above financial information is not the entire financial picture. The financial information pertains to Habitat for Humanity International, which is the parent organization for Habitat work around the world, and the Americus-Sumter County (Georgia) affiliate. In the United States, the actual home construction is performed by more than 1600 Habitat affiliates.
- Habitat has now spun off the operations of its Americus-Sumter Country Affiliate into a separate legal entity. The affiliate will be a self-supporting organization in their fund-raising efforts and will operate under a covenant agreement with Habitat for Humanity International. The affiliate?s current activity is reflected with revenue of $270,624, expense of $314,610 and transferred assets totaling $9,289,647.
- All affiliates are expected to ?tithe? 10% of their unrestricted cash contributions to support Habitat work outside their own country. Tithes from U.S. affiliates totaled $9,039,755 in 2001.
- Habitat for Humanity International agreed to guarantee a $590,000 Mortgage Note by Uptown Habitat for Humanity, Inc. The obligation is payable to the Illinois Housing Development Authority, a body created by and existing pursuant to the Illinois Development Act, and is due and payable on 8/1/28.
Transparency
- Habitat for Humanity International has demonstrated superior openness and transparency through the degree of their responsiveness and the quality and quantity of information provided.
- Habitat undergoes a yearly audit by a Certified Public Accountant.
- Habitat will send its audited financial statement upon request.
- Habitat is organized as an Internal Revenue Code section 501(c)(3) organization with the Internal Revenue Service (IRS); as such it files an annual financial report with the IRS (IRS form 990). Habitat will send its IRS form 990 to anyone upon request.
- Habitat maintains copies of its IRS form 990 and Annual Report on its web site.
Bits & Pieces
Habitat for Humanity Houses:
Whether in the United States, Canada or in more than 80 other countries around the world, Habitat for Humanity houses are built according to three guiding principles:
- Simple. Habitat houses are modestly sized -- large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs to a minimum.
- Decent. Habitat uses quality, locally available building materials. Trained staff supervises Habitat house construction and educate volunteers and partner families. House designs reflect the local climate and culture.
- Affordable. The labor of volunteers and partner families, efficient building methods, modest house sizes and a no-profit, no-interest loan make it affordable for low-income people around the world to purchase a Habitat for Humanity house.
Habitat Houses in North America:
Habitat houses in the United States and Canada generally are built using wood frame construction, with Gypsum board interior walls, vinyl siding and asphalt shingle roofs. Some affiliates also use proven alternative building materials such as adobe or straw bale construction.
U.S. and Canadian Habitat houses are modestly sized by North American standards -- for example, a 3-bedroom Habitat house may have no more than 1,050 square feet of living space according to HFHI guidelines.
Habitat for Humanity International's commitment to build with people in need readily extends to those with disabilities. HFHI's board of directors has endorsed the concept that all Habitat houses should incorporate basic accessible design features, such as a zero-step entrance and wide passage doors and hallways. Houses built in partnership with families with disabilities include additional accessibility features. For more information on Habitat and accessible housing, please contact HFHI's Construction and Environmental Resources department at (912) 924-6935, ext 2622.
Habitat Houses Around the World:
From the tropical islands of the Philippines to the mountains of Peru, Habitat builds houses designed for the local setting. Habitat affiliates build with locally available materials, reducing costs and making it easier for homeowners to maintain the houses. For example, houses in many African countries are constructed with fired clay bricks, with tile roofs made of cement or fired clay. Houses in Latin America often are built with concrete block or adobe walls and metal roofs, while houses in the Pacific are often built with wood frames and are constructed on stilts.
People of different countries use their houses in different ways. Habitat's house designs reflect these cultural considerations. Meals are cooked outdoors in many African countries; there Habitat plans call for a kitchen area outside the house rather than inside. In the Philippines, laundry and other chores traditionally are done on a small outdoor utility porch. Filipino Habitat house designs reflect this custom.
Habitat houses in developing countries are often considerably smaller than their North American counterparts. No matter where they are built, Habitat house sizes always are designed to meet the homeowner families' needs while keeping costs as low as possible, thereby making the houses affordable to low-income families.
How are the partner families selected?
Families in need of decent shelter apply to local Habitat affiliates. The affiliate's family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the no-interest loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses.
If your family, or a family you know, is in need of decent, affordable housing, contact the Habitat affiliate nearest you. If you're not sure where a local Habitat affiliate might be, use can use Habitats website search engine to find the names and phone numbers of affiliates in your area, or contact the Habitat help line at (800)422-4828, ext. 2551 or 2552. Local affiliates can give you information on the availability, size, costs and sweat-equity requirements for Habitat houses in your area, as well as information on the application process.
How are donations distributed and used?
Donations, whether to a local Habitat affiliate or to HFHI, are used as designated by the donor. Gifts received by HFHI that are designated to a specific affiliate or building project are forwarded to that affiliate or project. Undesignated gifts are used where most needed and for administrative expenses.
Ministry Statement or Response [ Back to top ]
The audited financial statements of Habitat for Humanity International reflect only part of the story of Habitat for Humanity's scope of work around the world. As autonomous nonprofit organizations, Habitat for Humanity affiliates and national organizations keep their own records of revenues and expenditures; those figures are not included in the financial statements of Habitat for Humanity International.
For the fiscal year that ended June 30, 2002, we estimate the entire Habitat for Humanity movement grossed $747.9 million in revenue: 438.2 million in cash contributions and grants, $34.7 million in gifts-in-kind, $237.8 million in sales of houses and $37.2 million in other support. Overall, Habitat for Humanity's estimated expense ratios in FY 2002 were 81 percent program, 10 percent fund raising, and 9 percent management and general expense.
Financial Information:
| Balance Sheet |
| Assets | 2008 | 2007 | 2006 | 2005 | 2004 |
| Cash | $54,415,000 | $121,728,000 | $42,122,000 | $41,393,000 | $17,236,000 |
| Receivables, Inventories & Prepaids | $80,332,000 | $77,168,000 | $94,130,000 | $64,365,000 | $67,978,000 |
| Short-Term Investments | $149,382,000 | $130,152,000 | $127,051,000 | $20,682,000 | $21,285,000 |
| Total Current Assets | $284,129,000 | $329,048,000 | $263,304,000 | $126,442,000 | $106,500,000 |
| Long-Term Investments | $0 | $0 | $835,000 | $0 | $0 |
| Fixed Assets | $13,503,000 | $13,908,000 | $11,412,000 | $11,825,000 | $10,343,000 |
| Other Long-Term Assets | $2,043,000 | $2,111,000 | $7,597,000 | $6,843,000 | $6,929,000 |
| Total Long-Term Assets | $15,546,000 | $16,020,000 | $19,844,000 | $18,669,000 | $17,272,000 |
| TOTAL ASSETS | $299,676,000 | $345,069,000 | $283,148,000 | $145,111,000 | $123,773,000 |
| Liabilities | 2008 | 2007 | 2006 | 2005 | 2004 |
| Payables & Accrued Expenses | $31,636,000 | $26,397,000 | $29,249,000 | $23,646,000 | $20,897,000 |
| Other Current Liabilities | $0 | $0 | $0 | $0 | $0 |
| Total Current Liabilities | $31,636,000 | $26,397,000 | $29,249,000 | $23,646,000 | $20,897,000 |
| Debt | $29,001,000 | $26,200,000 | $34,257,000 | $33,206,000 | $31,868,000 |
| Other Long-Term Liabilities | $14,484,000 | $11,167,000 | $0 | $0 | $0 |
| Total Long-Term Liabilities | $43,486,000 | $37,367,000 | $34,257,000 | $33,206,000 | $31,868,000 |
| TOTAL LIABILITIES | $75,123,000 | $63,765,000 | $63,506,000 | $56,852,000 | $52,766,000 |
| Assets | 2008 | 2007 | 2006 | 2005 | 2004 |
| Unrestricted | $30,669,000 | $46,312,000 | $37,415,000 | $13,503,000 | $12,879,000 |
| Temporarily Restricted | $193,883,000 | $234,991,000 | $182,226,000 | $74,755,000 | $58,127,000 |
| Permanently Restricted | $0 | $0 | $0 | $0 | $0 |
| NET ASSETS | $224,552,000 | $281,303,000 | $219,641,000 | $88,258,000 | $71,007,000 |
| Revenue and Expenses |
| Revenue | 2008 | 2007 | 2006 | 2005 | 2004 |
| Total Contributions | $218,854,000 | $332,271,000 | $334,918,000 | $178,577,000 | $153,016,000 |
| Program Service Revenue | $12,032,000 | $9,541,000 | $8,098,000 | $6,206,000 | $4,438,000 |
| Membership Dues | $0 | $0 | $0 | $0 | $0 |
| Investment Income | $8,967,000 | $9,389,000 | $4,609,000 | $991,000 | $496,000 |
| Other Revenue | $6,323,000 | $4,370,000 | $7,787,000 | $7,832,000 | $8,282,000 |
| Total Other Revenue | $27,324,000 | $23,302,000 | $20,495,000 | $15,031,000 | $13,216,000 |
| TOTAL REVENUE | $246,178,000 | $355,573,000 | $355,414,000 | $193,608,000 | $166,233,000 |
| Expenses | 2008 | 2007 | 2006 | 2005 | 2004 |
| Program Services | $249,037,000 | $251,858,000 | $180,918,000 | $138,352,000 | $121,037,000 |
| Management & General | $13,637,000 | $12,588,000 | $10,057,000 | $7,823,000 | $6,243,000 |
| Fundraising | $37,759,000 | $32,174,000 | $33,021,000 | $30,629,000 | $33,292,000 |
| TOTAL EXPENSES | $300,434,000 | $296,621,000 | $223,997,000 | $176,805,000 | $160,573,000 |
| Change in Net Assets | 2008 | 2007 | 2006 | 2005 | 2004 |
| SURPLUS (DEFICIT) | ($54,255,000) | $58,952,000 | $131,416,000 | $16,803,000 | $5,660,000 |
| Other Changes in Net Assets | ($2,495,000) | $2,709,000 | ($33,000) | $448,000 | $1,224,000 |
| TOTAL CHANGE IN NET ASSETS | ($56,750,000) | $61,661,000 | $131,382,000 | $17,251,000 | $6,885,000 |
Functional Expenses [ Back to top ]
| Funding Ratios | 2008 | 2007 | 2006 | 2005 | 2004 |
| Grants & Allocations | $171,099,000 | $183,125,000 | $121,209,000 | $83,172,000 | $69,084,000 |
| Specific Assistance to Individuals | $0 | $0 | $0 | $0 | $0 |
| Benefits Paid To or For Members | $0 | $0 | $0 | $0 | $0 |
| Compensation of Officers, Directors | $1,813,000 | $1,424,000 | $1,685,000 | $827,000 | $748,000 |
| Other Salaries, Wages | $45,339,000 | $40,201,000 | $34,413,000 | $31,653,000 | $28,621,000 |
| Pension Plan Contributions | $1,248,000 | $916,000 | $1,030,000 | $1,006,000 | $1,211,000 |
| Other Employee Benefits | $11,064,000 | $9,587,000 | $7,949,000 | $8,441,000 | $9,529,000 |
| Payroll Taxes | $2,914,000 | $2,666,000 | $2,321,000 | $2,108,000 | $1,930,000 |
| Professional Fundraising Fees | $20,751,000 | $17,097,000 | $20,047,000 | $19,608,000 | $22,439,000 |
| Accounting Fees | $580,000 | $466,000 | $1,249,000 | $893,000 | $240,000 |
| Legal Fees | $145,000 | $157,000 | $320,000 | $341,000 | $142,000 |
| Supplies | $419,000 | $466,000 | $0 | $0 | $0 |
| Telephone | $1,232,000 | $1,494,000 | $1,203,000 | $1,364,000 | $1,236,000 |
| Postage & Shipping | $2,215,000 | $2,118,000 | $2,236,000 | $2,316,000 | $3,004,000 |
| Occupancy | $0 | $0 | $0 | $0 | $0 |
| Equipment Rental & Maintenance | $406,000 | $468,000 | $0 | $0 | $0 |
| Printing & Publications | $1,064,000 | $1,183,000 | $1,429,000 | $1,445,000 | $1,743,000 |
| Travel | $8,382,000 | $8,026,000 | $6,737,000 | $5,536,000 | $5,558,000 |
| Conferences, Conventions & Meetings | $0 | $0 | $0 | $0 | $501,000 |
| Interest | $2,238,000 | $2,041,000 | $2,477,000 | $1,543,000 | $1,573,000 |
| Depreciation, Depletion etc. | $2,979,000 | $2,901,000 | $2,411,000 | $2,058,000 | $1,454,000 |
| Other Expenses | $26,536,000 | $22,277,000 | $17,273,000 | $14,486,000 | $11,553,000 |
| TOTAL NATURAL EXPENSES | $300,434,000 | $296,621,000 | $223,997,000 | $176,805,000 | $160,573,000 |