CHESHIRE HOUSING TRUST (EIN 020418158) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1987

Legal Domicile

Principal Officer

LINDA MANGONES

Phone

6033577603

Tax Period

2021-01-01 to 2021-10-31

CHESHIRE HOUSING TRUST, founded in 1987, is a micro nonprofit that reported $1.5M in total revenue in fiscal year 2020. Revenue fell 477% from the prior year — a significant decline worth monitoring.

Mission

PROVIDE LOW-INCOME HOUSING

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2020)

Revenue Breakdown

Contributions & Grants $553

Program Service Revenue $373,226

Investment Income $-1,826,602

Other Revenue $0

TOTAL REVENUE $-1,452,823

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,009

Fundraising Expenses $0

Program Expenses $395,369

Other Expenses $361,442

TOTAL EXPENSES $448,451

Year-over-Year Comparison

	2020	2019	Change
Revenue	$-1,452,823	$385,246	-4.8%
Expenses	$448,451	$609,914	-0.3%
Net Income	$-1,901,274	$-224,668	+7.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM BERGERON	MEMBER	2.00	Director	$0	$0	$0
SARAH MUSTIN STOCKWELL	MEMBER	2.00	Director	$0	$0	$0
MIKE FORREST	TREASURER	2.00	Director	$0	$0	$0
BRYANT P ABBOTT	PRESIDENT	2.00	Director	$0	$0	$0
LAURIE MORSE	VICE PRESIDENT	2.00	Director	$0	$0	$0
CAROL LITTLETON	SECRETARY	2.00	Director	$0	$0	$0
JON GRAVES	MEMBER	2.00	Director	$0	$0	$0
HEATHER SCHLERF	MEMBER	2.00	Director	$0	$0	$0
CINDY SULLIVAN	MEMBER	2.00	Director	$0	$0	$0
LINDA MANGONES	EXECUTIVE DIRECTOR	10.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2021	$-1,452,823	$448,451	No data	$-1,901,274
2020	$385,246	$609,914	$2,375,643	$-224,668
2019	$554,978	$612,341	$2,611,133	$-57,363
2018	$546,336	$584,263	$2,678,384	$-37,927

CHESHIRE HOUSING TRUST