CHITTENDEN HOUSING CORPORATION (EIN 030340615) - 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

1993

Legal Domicile

Principal Officer

KATHERINE DECARREAU

Phone

8026552360

Tax Period

2025-01-01 to 2025-12-31

CHITTENDEN HOUSING CORPORATION, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $1.9M in total revenue in fiscal year 2025.

Mission

LOW & MODERATE INCOME HOUSING

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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 $4,000

Program Service Revenue $1,845,268

Investment Income $7,015

Other Revenue $5,067

TOTAL REVENUE $1,861,350

Expense Breakdown

Grants Paid $0

Salaries & Benefits $282,973

Fundraising Expenses $0

Program Expenses $1,486,567

Other Expenses $1,527,545

TOTAL EXPENSES $1,810,518

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,861,350	$1,790,563	+0.0%
Expenses	$1,810,518	$1,897,441	0.0%
Net Income	$50,832	$-106,878	-1.5%

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
CONNOR DALEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
PATRICE LUMUMBA	DIRECTOR	2.00	Director	$0	$0	$0
ERHARD MAHNKE	DIRECTOR	2.00	Director	$0	$0	$0
KATHERINE DECARREAU	SECRETARY/TREASURER	2.00	Officer	$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	$1,861,350	$1,810,518	$3,789,570	$50,832
2024	$1,790,563	$1,897,441	$3,903,329	$-106,878
2023	$1,753,133	$1,690,797	$4,179,661	$62,336
2022	$1,650,439	$1,775,853	$4,116,347	$-125,414
2021	$1,533,304	$1,635,031	$4,378,884	$-101,727
2020	$1,496,935	$1,459,899	$4,608,066	$37,036
2019	$1,504,076	$1,550,422	$4,545,088	$-46,346
2018	$1,516,213	$1,631,666	$4,886,083	$-115,453

CHITTENDEN HOUSING CORPORATION