Contoocook Housing Trust

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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

2025-01-01 to 2025-12-31

Contoocook Housing Trust, founded in 1990, is a small nonprofit that reported $732K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $145K, a strong 20% operating margin.

Mission

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

Program Service Accomplishments

Program 1

Expenses: $493,625

In 2025, Contoocook Housing Trust provided safe, affordable housing to more than 57 families in 57 units in 14 properties located in four 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 (2025)

Revenue Breakdown

Contributions & Grants $61,010

Program Service Revenue $647,116

Investment Income $19,687

Other Revenue $3,785

TOTAL REVENUE $731,598

Expense Breakdown

Grants Paid $0

Salaries & Benefits $119,993

Fundraising Expenses $0

Program Expenses $493,625

Other Expenses $466,866

TOTAL EXPENSES $586,859

Year-over-Year Comparison

	2025	2024	Change
Revenue	$731,598	$637,210	+0.1%
Expenses	$586,859	$536,861	+0.1%
Net Income	$144,739	$100,349	+0.4%

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		$78,840	$0	$78,840
Joanne McGovern	Trustee	2.00	Director	$0	$0	$0
Janet McEwen	Secretary	3.00	Officer Director	$0	$0	$0
Christine Lavery	President	3.00	Officer Director	$0	$0	$0
Ron Mack	Vice President	3.00	Officer Director	$0	$0	$0
Jon Manley	Trustee	2.00	Director	$0	$0	$0
Erika Alusic-Bingham	Trustee	2.00	Director	$0	$0	$0
Michael Justason	Treasurer	4.00	Officer Director	$0	$0	$0
Karen Niemela	Trustee	2.00	Director	$0	$0	$0
Nicholas Mason	Trustee	2.00	Director	$0	$0	$0
Arthur Pope	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
2025	$731,598	$586,859	$2,620,115	$144,739
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