St. Croix Valley Habitat for Humanity Subordinate

Dedicated to building safe, affordable housing in Pierce and St. Croix Counties.

aka SCVHFH   |   Hudson, WI   |
GuideStar Charity Check

St. Croix Valley Habitat for Humanity

EIN: 39-1857467  Subordinate info


Habitat for Humanity brings people together to build homes, communities, and hope.

Ruling year info


Executive Director

Kristie Smith

Main address

749 Ryan Drive

Hudson, WI 54016 USA

Show more contact info



Subject area info

Rural development

Housing development

Population served info



Economically disadvantaged people

Low-income people

Retired people

NTEE code info

Housing Development, Construction, Management (L20)

Rural (S32)

IRS subsection

501(c)(3) Public Charity

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

Tax forms



What we aim to solve

SOURCE: Self-reported by organization

Helping facilitate more affordable housing opportunities in Pierce & St. Croix Counties in Western Wisconsin.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Home Ownership

By connecting with working families, sponsors, and communities to build affordable, sustainable, quality homes, we know that lives are changing..

As one of 1,500 U.S. affiliates of Habitat for Humanity International, St. Croix Valley Habitat recognizes that affordable home ownership is at the heart of successful families.

Volunteers and donor support helps us make this a reality for so many. If you know of a family looking for a home in our community visit or email [email protected]

Population(s) Served

Helping older, low-income homeowners safely stay in the homes they own and love is the goal of the Aging In Place program.

Population(s) Served
Retired people

Helping low-income families and individuals with exterior home repairs.

Population(s) Served

The ReStore is our nonprofit home improvement store that contributes to our mission to provide decent shelter. We accept donations and sell diverse, high-quality merchandise at a fraction of the cost, while diverting reusable household items and building materials from area landfills. Sales support the work we are doing in our communities.

Population(s) Served
Economically disadvantaged people
Economically disadvantaged people
Economically disadvantaged people
Economically disadvantaged people

Where we work

Our results

SOURCE: Self-reported by organization

How does this organization measure their results? It's a hard question but an important one.

Hours of volunteer service

This metric is no longer tracked.
Totals By Year
Related Program

Home Ownership

Type of Metric

Output - describing our activities and reach

Direction of Success


Context Notes

In 2022, volunteers contributed 4,280 hours of time; valued at $128,186.

Number of volunteers

This metric is no longer tracked.
Totals By Year
Type of Metric

Output - describing our activities and reach

Direction of Success


Context Notes

Volunteers served on construction, neighborhood revitalization, ReStore and board roles. 82% of volunteers surveyed said they were extremely or very likely to continue volunteering for SCVHFH

Our Sustainable Development Goals

SOURCE: Self-reported by organization

Learn more about Sustainable Development Goals.

Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

St. Croix Valley Habitat for Humanity partners with working families, sponsors, and communities to build affordable, sustainable, quality homes and to provide support services that promote successful home purchase and ownership in Pierce and St. Croix counties, WI. SCV Habitat aligns its strategic planning with the mission of Habitat for Humanity International: “Seeking to put God's love into action, Habitat for Humanity brings people together to build homes, communities, and hope." We have a vision of a world where everyone has a decent place to live.

The need for housing does not discriminate. At St. Croix Valley Habitat for Humanity, an inclusive culture that encourages openness, acceptance and individual authenticity is at the foundation of the work we do together with our homeowner partners, volunteers, staff, board and communities. Equitable opportunity and service is at the heart of our mission. As stewards of Pierce and St. Croix Counties, we envision and work toward a diverse workplace and community that celebrates all races, ages, ethnicities, genders, sexual orientations and physical or mental abilities. Everyone is welcome and everyone should be comfortable being their authentic selves each day.

Our goal is to partners with the community to help people with affordable housing. We will do this by maintaining 11-15 members on our board of directors who diversely represent the needs of our organization. Our staff will develop and support the financial and strategic success of the organization's mission. Volunteers and community partners will help support build and construction efforts through donations of time, fiscal and charitable contributions.

Our strategic plan includes input from the four key sub-committees that support our mission, including construction, financial development, community affairs and volunteer engagement. Each sub-committee is lead by a board member with support from community members.
In Year One (FY 2021) our goal will be to raise $500,000 that will support the reduction of organizational historic debt by half, the purchase of an affordable lot for building a home in partnership with a local municipality, the re-opening of an office space and the growth of staff to include a full-time construction supervisor, a full-time, National AmeriCorps member and a part time intern. We will partner with the community to include a Rock the Block Neighborhood revitalization program in a community within our GSA. And we will add to our board of directors to maintain at least 13 board members who support the different aspects of our organization. We will develop a solid working budget with which to gauge our needs going foward.
In Year Two (FY2022) our goal will be to increase funding for operations as well as to support the building of 2-3 homes. We will increase our community partners, foundational support, government support as well as year-round committee volunteer support. We will grow our outreach and seek further foundational and governmental support. We will work to re-open a hyrbid format of the ReStore to further support operational costs.
Year Three continues the efforts outlined above with a goal to increase home builds to between 3-5 new homes, and begin to consider the best way to return to funding our homeowner loans internally. We hope to see success with a ReStore and grow it in size and scope in order to add staff and opportunities to the organization.

SCV Habitat's success is dependent upon support from a broad range of community, foundational, and corporate partners to produce the financial materials, products, and volunteer resources necessary to build affordable homes. These relationships have been broadened and deepened as we reach out to include fully stakeholders from every sector of our projects.

In addition to the people power and collaborative connections provided by the organizations listed above, SCV Habitat is fortunate to have a diverse, committed base of financial and product/materials sponsors and organizations.

We have partnered with more than 71 families across Pierce and St. Croix Counties in Western Wisconsin with the mission to help with safe, affordable housing. In our 25 year history, we have funded our own loans, serviced those mortgages, partnered with our community and foundational partners to help support further programming including A Brush With Kindness, Aging in Place and Rock the Block Neighborhood Revitalization projects.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

done We shared information about our current feedback practices.
  • How is your organization using feedback from the people you serve?

    To identify and remedy poor client service experiences, To identify bright spots and enhance positive service experiences, To make fundamental changes to our programs and/or operations, To inform the development of new programs/projects, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve, To understand people's needs and how we can help them achieve their goals

  • Which of the following feedback practices does your organization routinely carry out?

    We collect feedback from the people we serve at least annually, We take steps to get feedback from marginalized or under-represented people, We aim to collect feedback from as many people we serve as possible, We take steps to ensure people feel comfortable being honest with us, We engage the people who provide feedback in looking for ways we can improve in response, We act on the feedback we receive, We tell the people who gave us feedback how we acted on their feedback, We ask the people who gave us feedback how well they think we responded

  • What challenges does the organization face when collecting feedback?

    We don't have any major challenges to collecting feedback


St. Croix Valley Habitat for Humanity
Fiscal year: Jul 01 - Jun 30
Financial documents
2021 St. Croix Valley Habitat for Humanity FY21 Audit 2020 St. Croix Valley Habitat for Humanity FY2020 Audit
done  Yes, financials were audited by an independent accountant. info

Revenue vs. expenses:  breakdown

SOURCE: IRS Form 990 info
Note: When component data are not available, the graph displays the total Revenue and/or Expense values.

Liquidity in 2022 info

SOURCE: IRS Form 990


Average of 0.42 over 10 years

Months of cash in 2022 info

SOURCE: IRS Form 990


Average of 4.1 over 10 years

Fringe rate in 2022 info

SOURCE: IRS Form 990


Average of 23% over 10 years

Funding sources info

Source: IRS Form 990

Assets & liabilities info

Source: IRS Form 990

Financial data

SOURCE: IRS Form 990

St. Croix Valley Habitat for Humanity

Revenue & expenses

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

Fiscal year ending: cloud_download Download Data

St. Croix Valley Habitat for Humanity

Balance sheet

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

The balance sheet gives a snapshot of the financial health of an organization at a particular point in time. An organization's total assets should generally exceed its total liabilities, or it cannot survive long, but the types of assets and liabilities must also be considered. For instance, an organization's current assets (cash, receivables, securities, etc.) should be sufficient to cover its current liabilities (payables, deferred revenue, current year loan, and note payments). Otherwise, the organization may face solvency problems. On the other hand, an organization whose cash and equivalents greatly exceed its current liabilities might not be putting its money to best use.

Fiscal year ending: cloud_download Download Data

St. Croix Valley Habitat for Humanity

Financial trends analysis Glossary & formula definitions

Fiscal Year: Jul 01 - Jun 30

SOURCE: IRS Form 990 info

This snapshot of St. Croix Valley Habitat for Humanity’s financial trends applies Nonprofit Finance Fund® analysis to data hosted by GuideStar. While it highlights the data that matter most, remember that context is key – numbers only tell part of any story.

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Business model indicators

Profitability info 2018 2019 2020 2021 2022
Unrestricted surplus (deficit) before depreciation $738,918 -$491 -$1,002 $308,596 $218,295
As % of expenses 133.7% -0.1% -0.3% 96.3% 45.1%
Unrestricted surplus (deficit) after depreciation $695,912 -$36,588 -$16,085 $306,167 $216,414
As % of expenses 116.8% -6.9% -4.4% 94.9% 44.6%
Revenue composition info
Total revenue (unrestricted & restricted) $668,312 $513,066 $349,519 $624,309 $711,350
Total revenue, % change over prior year -31.1% -23.2% -31.9% 78.6% 13.9%
Program services revenue 0.0% 0.0% 0.0% 0.0% 0.0%
Membership dues 0.0% 0.0% 0.0% 0.0% 0.0%
Investment income 0.9% 0.1% 0.2% 0.0% 0.1%
Government grants 0.0% 0.0% 0.0% 25.3% 0.0%
All other grants and contributions 42.0% 43.1% 41.5% 46.1% 80.3%
Other revenue 57.0% 56.8% 58.3% 28.6% 19.7%
Expense composition info
Total expenses before depreciation $552,731 $496,436 $350,521 $320,346 $483,826
Total expenses, % change over prior year -44.2% -10.2% -29.4% -8.6% 51.0%
Personnel 50.5% 55.0% 57.9% 48.4% 56.6%
Professional fees 10.1% 4.7% 4.6% 12.2% 11.4%
Occupancy 7.0% 4.4% 14.4% 5.7% 9.0%
Interest 14.9% 16.4% 7.9% 3.4% 1.1%
Pass-through 0.0% 0.0% 0.0% 0.0% 0.0%
All other expenses 17.6% 19.5% 15.2% 30.3% 21.8%
Full cost components (estimated) info 2018 2019 2020 2021 2022
Total expenses (after depreciation) $595,737 $532,533 $365,604 $322,775 $485,707
One month of savings $46,061 $41,370 $29,210 $26,696 $40,319
Debt principal payment $1,094,216 $120,134 $1,076,031 $234,137 $31,478
Fixed asset additions $0 $0 $0 $0 $3,099
Total full costs (estimated) $1,736,014 $694,037 $1,470,845 $583,608 $560,603

Capital structure indicators

Liquidity info 2018 2019 2020 2021 2022
Months of cash 1.5 2.2 9.2 15.7 10.3
Months of cash and investments 1.5 2.2 9.2 15.7 10.3
Months of estimated liquid unrestricted net assets 7.3 7.2 14.1 22.4 20.2
Balance sheet composition info 2018 2019 2020 2021 2022
Cash $70,668 $89,472 $269,081 $418,441 $414,263
Investments $0 $0 $0 $0 $0
Receivables $533,987 $443,923 $429,784 $323,092 $307,143
Gross land, buildings, equipment (LBE) $1,316,496 $1,302,101 $49,681 $49,681 $52,781
Accumulated depreciation (as a % of LBE) 14.6% 16.4% 89.9% 94.8% 92.8%
Liabilities (as a % of assets) 82.9% 83.1% 55.5% 29.1% 20.5%
Unrestricted net assets $335,310 $298,722 $411,826 $597,978 $814,392
Temporarily restricted net assets $29,370 $46,491 N/A N/A N/A
Permanently restricted net assets $0 $0 N/A N/A N/A
Total restricted net assets $29,370 $46,491 $0 $115,382 $124,610
Total net assets $364,680 $345,213 $411,826 $713,360 $939,002

Key data checks

Key data checks info 2018 2019 2020 2021 2022
Material data errors No No No No No


The people, governance practices, and partners that make the organization tick.

Letter of Determination is not available for this organization
Form 1023/1024 is not available for this organization

Executive Director

Kristie Smith

Kristie Smith joined SCV Habitat for Humanity as executive director in May and comes to the organization after 30+ years in the marketing and communications field. Most recently, Kristie held the position of Media and Marketing Strategist with her consulting firm Yellow Finch Communications. While there, her focus was on enhancing communications and marketing efforts for organizations through recessions, turnarounds and major wins and losses. A passionate community advocate for more than 10 years, Kristie has served in several nonprofit roles for Randy's run, including board chair, member of the executive committee of the board, volunteer, fundraiser and donor. She has a bachelor’s degree in Mass Communication and Speech from the St Cloud State University. A native of Minnesota, Kristie has lived in the Twin Cities region for the past 30 plus years. She has five grown children and lives in West Lakeland with her husband, Jim.

Number of employees

Source: IRS Form 990

St. Croix Valley Habitat for Humanity

Officers, directors, trustees, and key employees

SOURCE: IRS Form 990

Show data for fiscal year
Compensation data
Download up to 5 most recent years of officer and director compensation data for this organization

There are no highest paid employees recorded for this organization.

St. Croix Valley Habitat for Humanity

Board of directors
as of 04/05/2023
SOURCE: Self-reported by organization
Board of directors data
Download the most recent year of board of directors data for this organization
Board co-chair

Mr. Gary Zifko

Kraus-Anderson Construction

Term: 2022 - 2025

Board co-chair

Ms. Gina Moe-Knutson

WESTConsin Realty

Term: 2023 - 2025

Gary Zifco

Kraus Anderson

Lisa Smith


Mike Stearney

Retired, UW Green Bay

Mike Steblay

Andersen Corp.

Joel Skinner

Skinner & Associates

Tabitha Jackson

First Command

Jim Ellis

Retired, Imation

Gina Moe-Knudsen

WESTconsin Realty

Jon Whitcomb


Melissa Steiner

Twin Cities Habitat for Humanity

Chris Wong

Renewal By Andersen

Wendy Robson

Magic Wendy

Clark Schroeder

Retired, Ashland County, WI

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

  • Board orientation and education
    Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
  • CEO oversight
    Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
  • Ethics and transparency
    Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
  • Board composition
    Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
  • Board performance
    Has the board conducted a formal, written self-assessment of its performance within the past three years? Not applicable

Organizational demographics

SOURCE: Self-reported; last updated 4/5/2023

Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.


The organization's leader identifies as:

Race & ethnicity
Gender identity
Female, Not transgender
Sexual orientation
Heterosexual or Straight
Disability status
Person without a disability

Race & ethnicity

Gender identity

Transgender Identity

Sexual orientation

No data


No data

Equity strategies

Last updated: 06/02/2021

GuideStar partnered with Equity in the Center - an organization that works to shift mindsets, practices, and systems to increase racial equity - to create this section. Learn more

  • We have long-term strategic plans and measurable goals for creating a culture such that one’s race identity has no influence on how they fare within the organization.
Policies and processes
  • We seek individuals from various race backgrounds for board and executive director/CEO positions within our organization.
  • We have community representation at the board level, either on the board itself or through a community advisory board.
  • We help senior leadership understand how to be inclusive leaders with learning approaches that emphasize reflection, iteration, and adaptability.
  • We engage everyone, from the board to staff levels of the organization, in race equity work and ensure that individuals understand their roles in creating culture such that one’s race identity has no influence on how they fare within the organization.