VALLEY HOUSING DEVELOPMENT CORP INC

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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

1982

Legal Domicile

Principal Officer

DOLORES SCOTT

Phone

4132331701

Tax Period

2023-01-01 to 2023-12-31

VALLEY HOUSING DEVELOPMENT CORP INC, founded in 1982, is a small nonprofit in the Housing & Shelter sector that reported $215K in total revenue in fiscal year 2023. Expenses of $342K exceeded revenue, resulting in a 59% operating deficit.

Mission

VALLEY HOUSING DEVELOPMENT CORPORATION PRIMARY PURPOSE IS TO PROVIDE FARM LABORERS WITH AFFORDABLE HOUSING FACILITIES.

Program Service Accomplishments

Program 1

Expenses: $304,951 Revenue: $214,436

VALLEY HOUSING DEVELOPMENT CORPORATION PPROVIDED 18 UNITS OF RESIDENTIAL HOUSING TO FARM LABORERS IN HOLYOKE, 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $214,436

Investment Income $1,005

Other Revenue $0

TOTAL REVENUE $215,441

Expense Breakdown

Grants Paid $0

Salaries & Benefits $69,278

Fundraising Expenses $0

Program Expenses $304,951

Other Expenses $272,246

TOTAL EXPENSES $341,524

Year-over-Year Comparison

	2023	2022	Change
Revenue	$215,441	$223,568	0.0%
Expenses	$341,524	$324,420	+0.1%
Net Income	$-126,083	$-100,852	+0.3%

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
BETTY LICHTENSTEIN	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$0	$0
DOLORES SCOTT	TREASURER/ASST. CLERK	1.00	Officer Director	$0	$0	$0
SYLVIA GALVAN	DIRECTOR	1.00	Officer Director	$0	$0	$0
MARY BIRKS	DIRECTOR	1.00	Director	$0	$0	$0
THERESA COOPER-GORDAN	DIRECTOR	1.00	Director	$0	$0	$0
DIOSDADO LOPEZ	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE VEGA	DIRECTOR	1.00	Director	$0	$0	$0
MIGUEL ARCE	DIRECTOR	1.00	Director	$0	$0	$0
CAROL WALKER	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	No data	No data	No data	No data
2023	$215,441	$341,524	$3,437,426	$-126,083
2022	$223,568	$324,420	$3,550,797	$-100,852
2021	$187,902	$303,545	$3,634,413	$-115,643
2020	$155,019	$190,180	$4,437,112	$-35,161
2019	$213,544	$211,480	$2,109,011	$2,064
2018	$275,809	$184,319	$1,046,868	$91,490