Merrimack Valley Housing Services Inc (EIN 042732088) - 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

1981

Legal Domicile

Principal Officer

Rita O'Brien-Dee

Phone

9784590551

Tax Period

2024-07-01 to 2025-06-30

Merrimack Valley Housing Services Inc, founded in 1981, is a community nonprofit in the Housing & Shelter sector that reported $1.5M in total revenue in fiscal year 2024. The organization ran a surplus of $335K, a strong 22% operating margin.

Mission

To provide elderly and handicapped persons of low income with housing facilities.

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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 $1,266,990

Program Service Revenue $212,744

Investment Income $37,058

Other Revenue $4,902

TOTAL REVENUE $1,521,694

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $950,945

Other Expenses $1,186,212

TOTAL EXPENSES $1,186,212

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,521,694	$1,415,488	+0.1%
Expenses	$1,186,212	$1,239,114	0.0%
Net Income	$335,482	$176,374	+0.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rita O'Brien Dee	President	2.00	Officer Director	$0	$0	$0
Dennis Piendak	Treasurer	2.00	Officer Director	$0	$0	$0
Marie Sweeney	Clerk	2.00	Officer 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	$1,521,694	$1,186,212	$2,153,324	$335,482
2024	$1,415,488	$1,239,114	$1,991,359	$176,374
2023	$1,276,828	$1,234,126	$1,990,453	$42,702
2022	$1,240,194	$1,089,575	$2,074,249	$150,619
2021	$1,209,103	$1,006,660	$2,023,617	$202,443
2020	$1,178,963	$1,336,512	$6,277,132	$-157,549
2019	$1,043,836	$903,302	$1,395,281	$140,534
2018	$783,022	$894,928	$1,307,228	$-111,906

Merrimack Valley Housing Services Inc