Contoocook Housing Trust (EIN 020444364) - 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

1990

Legal Domicile

Phone

6038781247

Tax Period

2023-01-01 to 2023-12-31

Contoocook Housing Trust, founded in 1990, is a small nonprofit that reported $616K in total revenue in fiscal year 2023. Expenses of $554K left a modest 10% surplus.

Mission

The Contoocook Housing Trust provides affordable rental and homeownership opportunities for low and moderate income families in our target area towns.

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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 (2023)

Revenue Breakdown

Contributions & Grants $3,200

Program Service Revenue $607,612

Investment Income $5,487

Other Revenue $0

TOTAL REVENUE $616,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $156,262

Fundraising Expenses $0

Program Expenses $397,980

Other Expenses $398,170

TOTAL EXPENSES $554,432

Year-over-Year Comparison

	2023	2022	Change
Revenue	$616,299	$590,769	+0.0%
Expenses	$554,432	$507,791	+0.1%
Net Income	$61,867	$82,978	-0.3%

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
Elisabeth Ogden	Executive Director	40.00		$25,269	$0	$25,269
Thomas Beaumont	President	2.00	Officer Director	$0	$0	$0
Joanne McGovern	Treasurer	4.00	Officer Director	$0	$0	$0
Tricia Goff	Trustee	2.00	Director	$0	$0	$0
Christine Lavery	Vice President	2.00	Officer Director	$0	$0	$0
Ron Mack	Trustee	2.00	Director	$0	$0	$0
Jon Manley	Trustee	2.00	Director	$0	$0	$0
Carol Nelson	Secretary	3.00	Officer Director	$0	$0	$0
David Blanchette	Trustee	2.00	Director	$0	$0	$0
Erika Alusic-Bingham	Trustee	2.00	Director	$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
2024	No data	No data	No data	No data
2023	$616,299	$554,432	$2,265,334	$61,867
2022	$590,769	$507,791	$2,338,620	$82,978
2021	$576,763	$480,408	$2,320,109	$96,355
2020	$591,050	$496,072	$2,231,267	$94,978

Contoocook Housing Trust