GREATER NASHUA HABITAT FOR HUMANITY

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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

1994

Legal Domicile

Principal Officer

NORA BOYLE

Phone

6038830295

Tax Period

2024-07-01 to 2025-06-30

GREATER NASHUA HABITAT FOR HUMANITY, founded in 1994, is a micro nonprofit that reported $92K in total revenue in fiscal year 2024. Revenue fell 81% from the prior year — a significant decline worth monitoring. Expenses of $264K exceeded revenue, resulting in a 188% operating deficit.

Mission

TO CREATE DECENT, AFFFORDABLE HOUSING FOR PEOPLE IN NEED, AND TO MAKE DECENT SHELTER A MATTER OF CONSCIENCE WITH PEOPLE EVERYWHERE.

Program Service Accomplishments

Program 1

Expenses: $15,949

MORTGAGE DISCOUNT AMORTIZATION 33,182

Program 2

Expenses: $22,800

HABITAT FOR HUMANITY INTERNATIONAL, INC. HFHI HAS A SUGGESTED 10 TITHING BASED ON THE INTERNAL CALCULATIONS FOR UNRESTRICTED FUNDS WHICH IS USED FOR THEIR WORLDWIDE HOUSING PROGRAMS 22,800. IN...

HABITAT FOR HUMANITY INTERNATIONAL, INC. HFHI HAS A SUGGESTED 10 TITHING BASED ON THE INTERNAL CALCULATIONS FOR UNRESTRICTED FUNDS WHICH IS USED FOR THEIR WORLDWIDE HOUSING PROGRAMS 22,800. IN ADDITION, HFHI HAS ADOPTED THE U.S. STEWARDSHIP AND ORGANIZATION SUSTAINABILITY INITIATIVE US-SOI. THE POLICY REQUIRES AFFILIATES TO PAY AN ANNUAL FEE WHICH IS DETERMINED BY POPULATION WITHIN THE APPROVED GEOGRAPHIC SERVICE AREA OF THE AFFILIATE. THE PURPOSE IS TO GENERATE A REVENUE STREAM FOR HFHI TO HELP OFFSET A PORTION OF THE OPERATIONAL COSTS USED TO ASSIST U.S. AFFILIATES AND TO LEVERAGE THE STRENGTH OF THE FUNDS FOR THE BENEFIT OF ALL .

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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 $185,795

Program Service Revenue $33,182

Investment Income $-277,322

Other Revenue $150,188

TOTAL REVENUE $91,843

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,506

Fundraising Expenses $42,877

Program Expenses $38,749

Other Expenses $92,956

TOTAL EXPENSES $264,462

Year-over-Year Comparison

	2024	2023	Change
Revenue	$91,843	$474,526	-0.8%
Expenses	$264,462	$289,369	-0.1%
Net Income	$-172,619	$185,157	-1.9%

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

100

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

$93,074

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTA TSECHRINTZIS	EXECUTIVE DIRECTOR	040.00	Key Emp Highest	$93,074	$0	$93,074
JENNIFER ANNAND	PRESIDENT	002.00	Officer Director	$0	$0	$0
STEPHANIE KANE	VICE PRESIDENT	002.00	Officer Director	$0	$0	$0
NORA BOYLE	TREASURER	002.00	Officer Director	$0	$0	$0
DEBORAH STOODLEY	SECRETARY	002.00	Officer Director	$0	$0	$0
MARCIE BYRD	DIRECTOR	001.00	Director	$0	$0	$0
KEVIN COLBURN	DIRECTOR	001.00	Director	$0	$0	$0
GLENN DENOBLE	DIRECTOR	001.00	Director	$0	$0	$0
MAGGIE JAEB	DIRECTOR	001.00	Director	$0	$0	$0
GEORGE WALKER	DIRECTOR	001.00	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	$91,843	$264,462	$1,377,166	$-172,619
2024	$474,526	$289,369	$1,538,540	$185,157
2023	$284,259	$266,049	$1,332,755	$18,210
2022	$379,634	$247,134	$1,415,374	$132,500
2021	$473,082	$268,689	$1,206,638	$204,393
2020	$740,728	$561,795	$1,090,410	$178,933
2019	$689,708	$614,871	$821,504	$74,837
2018	$609,240	$560,007	$935,519	$49,233