SOMERSWORTH COMMUNITY DEVELOPMENT … - Form 990 Financial Data

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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

1996

Legal Domicile

Principal Officer

JOHN WATERMAN

Phone

6036922864

Tax Period

2025-01-01 to 2025-12-31

SOMERSWORTH COMMUNITY DEVELOPMENT CORP, founded in 1996, is a micro nonprofit in the Housing & Shelter sector that reported $39K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $26K, a strong 67% operating margin.

Mission

TO PROMOTE GROWTH AND PROSPERITY IN THE CITY OF SOMERSWORTH, NH

Program Service Accomplishments

Program 1

Expenses: $12,906

TO PROMOTE GROWTH AND PROSPERITY IN THE CITY OF SOMERWORTH, NH, INCLUDING PROVISION FOR LOW INCOME HOUSING AND ASSISTANCE TO LOCAL BUSINESSES.

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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 $0

Program Service Revenue $29,321

Investment Income $9,324

Other Revenue $0

TOTAL REVENUE $38,645

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $12,906

Other Expenses $12,906

TOTAL EXPENSES $12,906

Year-over-Year Comparison

	2025	2024	Change
Revenue	$38,645	$33,722	+0.1%
Expenses	$12,906	$9,761	+0.3%
Net Income	$25,739	$23,961	+0.1%

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

N/A

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
HAROLD GUPTILL	CHAIRPERSON	N/A	Officer	$0	$0	$0
JOHN WATERMAN	TREASURER	N/A	Officer	$0	$0	$0
MIKE HILL	MEMBER	N/A	Director	$0	$0	$0
ROLAND LAPOINTE	MEMBER	N/A	Director	$0	$0	$0
MICHELLE MASSE	EXECUTIVE DI	N/A	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	$38,645	$12,906	$955,427	$25,739
2024	$33,722	$9,761	$929,378	$23,961
2023	$37,288	$10,162	$905,067	$27,126
2022	$31,025	$10,527	$878,242	$20,498
2021	$30,248	$9,625	$857,481	$20,623
2020	$30,512	$8,908	$836,326	$21,604
2019	$35,768	$9,489	$816,076	$26,279
2018	$33,120	$9,205	$796,978	$23,915

SOMERSWORTH COMMUNITY DEVELOPMENT CORP