HOME TOMORROW INC

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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

1992

Legal Domicile

Principal Officer

MARTIN RAMIREZ

Phone

6036263944

Tax Period

2024-07-01 to 2025-06-30

HOME TOMORROW INC, founded in 1992, is a micro nonprofit in the Human Services sector that reported $18K in total revenue in fiscal year 2024. Revenue fell 91% from the prior year — a significant decline worth monitoring. Expenses of $179K exceeded revenue, resulting in a 900% operating deficit.

Mission

TO PARTNER WITH OTHER NONPROFIT ORGANIZATIONS TO HELP MAKE SHELTER FOR THOSE TRANSITIONING FROM HOMELESSNESS AND SHELTERS INTO A COMFORTABLE HOME IN AN EFFORT TO BATTLE HOMELESSNESS AND POVERTY; TO IDENTIFY INDIVIDUALS IN THE PRIMARY MARKET WE SERVE, BEGINNING WITH THE GREATER MANCHESTER (NH) AREA, AND TO PROVIDE FURNITURE AND OTHER HOME FURNISHINGS ENTIRELY FREE OF CHARGE.

Program Service Accomplishments

Program 1

Expenses: $37,954

WORKING IN PARTNERSHIP WITH APPROXIMATELY 96 GREATER MANCHESTER COMMUNITY ORGANIZATIONS AND COMMUNITY MEMBERS IN NEED OF AFFORDABLE HOUSING IN AN EFFORT TO ESTABLISH AND SUSTAIN AFFORDABLE HOUSING.

Program 2

Expenses: $26,489 Revenue: $13,447

THE ESSENCE OF HOME TOMORROW'S STORE & DONATION CENTER IS TO RECEIVE DONATIONS OF HOME FURNISHINGS, SUCH AS FURNITURE AND APPLIANCES: THE ORGANIZATION SELLS A PORTION OF HIGH VALUE ITEMS TO THE...

THE ESSENCE OF HOME TOMORROW'S STORE & DONATION CENTER IS TO RECEIVE DONATIONS OF HOME FURNISHINGS, SUCH AS FURNITURE AND APPLIANCES: THE ORGANIZATION SELLS A PORTION OF HIGH VALUE ITEMS TO THE PUBLIC AT THRIFT PRICES IN ORDER TO FINANCE ITS OPERATING COSTS. OTHER PROCEEDS SUPPORT THE MISSION OF DONATING HOME FURINISHINGS TO THOSE IN NEED FREE OF CHARGE IN CONCERT WITH OTHER 501(C)(3) ORGANIZATIONS AND PARTNER AGENCIES. BY BLENDING EXCESS WITH NEED, WE ARE ABLE TO SPARE OUR LOCAL LANDFILLS FROM NEEDLESS WASTE. AFTER LOSING ITS PREVIOUS SPACE IN JAN 2021, FROM FEB 2021 THROUGH AUG 2024, THE ORGANIZATION WAS RELEGATED TO OPERATE ITS MISSION OUT OF THE BEDFORD (NH) U-HUAL STORAGE FACILITY. AFTER 2 1/2 YEARS, IN SEPTEMBER 2024, THE ORGANIZATION BEGAN A VIABILITY STUDY OF FOSTERING A MERGER WITH ANOTHER NONPROFIT ORGANIZATION THAT CAN SUSTAIN OUR MISSION. THE ORGANIZATION CONTINUES TO SEEK A SUITABLE PARTNER. SINCE 2021, THE ORGANIZATION HAS SERVED APPROXIMATELY 777 INDIVIDUALS AND FAMILIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $4,372

Program Service Revenue $13,447

Investment Income $39

Other Revenue $0

TOTAL REVENUE $17,858

Expense Breakdown

Grants Paid $0

Salaries & Benefits $124,861

Fundraising Expenses $21,106

Program Expenses $64,443

Other Expenses $53,784

TOTAL EXPENSES $178,645

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,858	$204,741	-0.9%
Expenses	$178,645	$344,327	-0.5%
Net Income	$-160,787	$-139,586	+0.2%

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

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

$96,280

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTIN RAMIREZ	PRESIDENT	2.00	Officer Director	$0	$0	$0
MICHAEL PLOUFFE	VICE PRESIDENT/TREASURER	1.00	Officer Director	$0	$0	$0
LINDA EBARLE	DIRECTOR	1.00	Director	$0	$0	$0
MATT SHRAMEK	DIRECTOR	1.00	Director	$0	$0	$0
WENDEE VOGEL	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL COURTNEY	EXECUTIVE DIRECTOR/SECRETARY	62.00	Officer	$96,280	$0	$96,280

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	$17,858	$178,645	$207,308	$-160,787
2024	$204,741	$344,327	$360,371	$-139,586
2023	$209,680	$346,186	$521,327	$-136,506
2022	$257,891	$378,303	$673,605	$-120,412
2021	$370,895	$377,179	$947,926	$-6,284
2020	$364,115	$316,626	$815,936	$47,489
2019	$307,790	$306,593	$740,985	$1,197
2018	$214,105	$271,256	$717,529	$-57,151