Habitat for Humanity Southern Alberta

210-805 Manning Road NE
Calgary, AB T2E 7M8
President & CEO: Gerrad Oishi
Board Chair: David Watson

Charitable Reg. #:13582 0496 RR0001


Ci's Star Rating is calculated based on the following independent metrics:

[Charity Rating: 2/5]



Audited financial statements for current and previous years available on the charity’s website.



Grade based on the charity's public reporting of the work it does and the results it achieves.



The demonstrated impact per dollar Ci calculates from available program information.


Charity's cash and investments (funding reserves) relative to how much it spends on programs in most recent year.



For a dollar donated, after overhead costs of fundraising and admin/management (excluding surplus) 45 cents are available for programs.

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About Habitat for Humanity Southern Alberta:

Habitat for Humanity Southern Alberta is a 2-star charity. It has a B results reporting grade, which is average. For every dollar donated to the charity, 45 cents are available to go to the cause, which is outside of Ci's reasonable range. Ci has rated this charity as Low demonstrated impact. 

Founded in 1990, Habitat for Humanity Southern Alberta (HFHSA) is the affiliate of Habitat for Humanity Canada that runs the Habitat Homeownership program in Southern Alberta. HFHSA is one of Habitat Canada's 46 local affiliates. It provides affordable housing to low-income families in five local communities: Brooks, Calgary, Foothills, Medicine Hat, and Mountain View. HFHSA states that 10% of households in Alberta are in core housing need and over 4,000 people in Calgary are on waitlists for social housing.

Homeownership is HFHSA's main program. To be eligible for a Habitat home, families must meet certain financial and employment requirements, have children under 18, and contribute 500 hours of ‘sweat equity’ into building Habitat homes. Partner families buy Habitat homes at market value, with no down payment and an interest-free mortgage capped at 30% of total household income. Mortgage payments enter a revolving Fund for Humanity that is used to build more homes in the community.

Habitat for Humanity Southern Alberta spent $3.0m on its Homeownership program in F2022. HFHSA expects to provide housing for 26 new families in F2023, with 29 homes to either begin or complete construction. The charity partners with local businesses and volunteers to build these homes.

Habitat for Humanity Southern Alberta spent $1.6m on five buybacks and repairs on the buybacks in F2022. Buybacks take place when partner families have built up equity and are ready to move out of their Habitat home. HFHSA repurchases the home from the family, allowing the family to use the equity to buy a house on the market.

Habitat for Humanity Southern Alberta also operates ReStore, a business that sells new and lightly used building materials and home products at 40% - 60% off retail prices. These materials are donated from the public or the national charity (Habitat for Humanity Canada). HFHSA manages one Restore in Calgary and one in Medicine Hat. HFHSA reports that its ReStores diverted 3.4k tons of waste in F2022.


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Results and Impact

HFHSA states that those who receive an affordable home benefit from financial stability and rely less on social services. The charity reports a 60% reduction in food bank usage by Habitat partner families. Additionally, 70% of partner families donate time and money toward other charities.

Charity Intelligence has given Habitat for Humanity Southern Alberta a Low impact rating for demonstrated impact per dollar.

Impact Rating: Low

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Habitat for Humanity Southern Alberta received $1.4m in cash donations and $176k in goods in kind to be used in building Habitat homes. Administrative costs are 21% of revenue (excluding investment income) and fundraising costs are 34% of donations. This results in total overhead spending of 55%. For every dollar donated to the charity, 45 cents go to the cause. This is not within Ci’s reasonable range for overhead spending. When donated build materials are included, the fundraising ratio drops to 30%*.

Habitat for Humanity Southern Alberta has $5.5m in reserve funds. HFHSA’s reserve funds can cover 77%, or nine months of annual program spending.

This is an update that has been sent to Habitat for Humanity Southern Alberta for review. Comments and edits may be forthcoming.

Updated on June 14, 2023 by Liam Chapleau.

*Ci did not include donated build materials in its standard fundraising cost ratio calculation because it could not accurately determine what proportion of materials came from Habitat for Humanity Canada.

Financial Review

Financial Ratios

Fiscal year ending December
Administrative costs as % of revenues 21.2%20.1%12.8%
Fundraising costs as % of donations 33.5%27.8%12.5%
Total overhead spending 54.6%47.9%25.4%
Program cost coverage (%) 95.7%122.0%44.5%

Summary Financial Statements

All figures in $000s
Donations 1,4141,2972,611
Goods in kind 17696136
Government funding 2671,3142,175
Fees for service 2,6152,7152,288
Business activities (net) 1,3341,373623
Investment income 44440429
Other income 2,0272593,113
Total revenues 8,2797,45710,975
Program costs 5,7653,4796,384
Donated goods exp 17696136
Administrative costs 1,6591,4211,403
Fundraising costs 473360327
Other costs 200138160
Total spending 8,2735,4948,410
Cash flow from operations 61,9632,565
Capital spending 266313(4)
Funding reserves 5,5154,2462,839

Note: Ci adjusted for deferred contributions, increasing revenue by $2.0m in F2022, $259k in F2021, and $3.1m in F2020. The charity did not disclose the source of this revenue, therefore it was included in other revenue. Ci adjusted for unrealized gains and losses on investments, impacting revenue by ($67k) in F2022, $56k in F2021, and $21k in F2020. Ci accounts for business activities on a revenue-net-expenses basis. As such, ReStore expenses decreased revenue by ($3.9m) in F2022, ($3.7m) in F2021, and ($3.1m) in F2020. Ci netted out ReStore donated goods, decreasing revenue and expenses, decreasing revenue and expenses by ($5.8m) in F2022, ($6.3m) in F2021, and ($4.8m) in F2020. Ci accounted for repayment of mortgages receivables, increasing revenue by $2.6m in F2022, $2.7m in F2021, and $2.2m in F2020. Ci reports on a cash-in cash-out basis. As such, the sale of projects and cost of sale of projects are excluded from financial analysis. This impacted revenue by ($4.0m) in F2022, ($6.6m) in F2021, and ($5.2m) in F2020, and expenses by ($3.3m) in F2022, ($6.3m) in F2021, and ($4.7m) in F2020. Program delivery decreased expenses by ($1.3m) in F2022, ($1.3m) in F2021, and ($1.8m) in F2020, while project cost during the year increased expenses by $3.0m in F2022, $1.7m in F2021, and $2.8m in F2020. Ci excluded mortgage discount expense, decreasing expenses by ($nil) in F2022 and ($nil) in F2021, and ($3.0m) in F2020. Ci included project unit buybacks and repairs on buybacks, increasing expenses by $1.6m in F2022, $638k in F2021, and $1,9m in F2020. Ci backed out amortization, decreasing expenses by $131k in F2020.

Salary Information

Full-time staff: 65

Avg. compensation: $71,858

Top 10 staff salary range:

$350k +
$300k - $350k
$250k - $300k
$200k - $250k
$160k - $200k
$120k - $160k
$80k - $120k
$40k - $80k
< $40k

Information from most recent CRA Charities Directorate filings for F2022

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Comments & Contact

Comments added by the Charity:

No comments have been added by the charity.

Charity Contact

Website: www.habitatsouthernab.ca
This email address is being protected from spambots. You need JavaScript enabled to view it. Tel: (403) 253-9331


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Charitable Registration Number: 80340 7956 RR0001