STOW ELDERLY HOUSING CORPORATION

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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

VICTORIA BLAKE

Phone

9788974404

Tax Period

2024-01-01 to 2024-12-31

STOW ELDERLY HOUSING CORPORATION, founded in 1981, is a small nonprofit in the Housing & Shelter sector that reported $889K in total revenue in fiscal year 2024. Revenue surged 59% from the prior year, signaling strong growth momentum. The organization ran a surplus of $782K, a strong 88% operating margin.

Mission

TO PROVIDE ELDERLY AND HANDICAPPED PERSONS OF LOW-INCOME WITH HOUSING FACILITIES AND SERVICES SPECIALLY DESIGNED TO MEET THEIR PHYSICAL, SOCIAL AND PSYCHOLOGICAL NEEDS AND TO PROMOTE THEIR HEALTH, SECURITY, HAPPINESS AND USEFULNESS IN LONGER LIVING.

Program Service Accomplishments

Program 1

Expenses: $58,550

TO AID IN THE ACQUISITION, IMPROVEMENT AND ACCESSIBILITY OF HOUSING TO LOW-INCOME PERSONS AND FAMILIES IN THE STOW AREA OF MASSACHUSETTS.

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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 $829,712

Program Service Revenue $0

Investment Income $56,449

Other Revenue $2,404

TOTAL REVENUE $888,565

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $58,550

Other Expenses $106,780

TOTAL EXPENSES $106,780

Year-over-Year Comparison

	2024	2023	Change
Revenue	$888,565	$559,532	+0.6%
Expenses	$106,780	$554,118	-0.8%
Net Income	$781,785	$5,414	+143.4%

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
VICTORIA M BLAKE	PRESIDENT	1.00	Officer Director	$0	$0	$0
LEE COOPRIDER	TREASURER	1.00	Officer Director	$0	$0	$0
DEBORAH WOODS	CLERK	1.00	Officer Director	$0	$0	$0
BRUCE FLETCHER	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
KAREN KELLEHER	DIRECTOR	1.00	Director	$0	$0	$0
PETER KARB	DIRECTOR	1.00	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
2024	$888,565	$106,780	$6,268,135	$781,785
2023	$559,532	$554,118	$5,373,166	$5,414
2022	$101,869	$200,773	$3,779,045	$-98,904
2021	$43,304	$9,035	$2,507,853	$34,269
2020	No data	$13,821	$1,664,352	No data
2019	$16	$26,005	$1,629,504	$-25,989
2018	$106,217	$10,434	$1,543,824	$95,783