FALMOUTH HOUSING TRUST (EIN 042936558) - 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

1986

Legal Domicile

Principal Officer

LAURA M MOYNIHAN

Phone

5085402370

Tax Period

2024-07-01 to 2025-06-30

FALMOUTH HOUSING TRUST, founded in 1986, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue fell 64% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $533K, a strong 39% operating margin.

Mission

FALMOUTH HOUSING TRUST'S MISSION IS TO ENCHANCE THE COMMUNITY OF FALMOUTH BY DEVELOPING AND MAINTAINING SUSTAINABLE AFFORABLE WORKFORCE HOUSING. THE ORGANIZATION PROVIDES THIS SERVICE TO LOW-TO-MODERATE INCOME INDIVIDUALS OR FAMILIES LIVING IN FALMOUTH WHO EARN 80% OF THE MEDIAN INCOEM OR LESS. WITH THE FOCUS TOWARDS SMALL STRATEGIC PROJECTS, THE ORGANIZATION ACQUIRES PROPERTY AND CREATES HOUSING TO FIT INTO THE LANDSCAPE OF THE COMMUNITY. THIS HOUSING MAY BE RENTED OR SOLD TO QUALIFYING INDIVIDUALS AT AFFORABLE PRICES.

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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 $858,116

Program Service Revenue $441,696

Investment Income $79,418

Other Revenue $-2,075

TOTAL REVENUE $1,377,155

Expense Breakdown

Grants Paid $525

Salaries & Benefits $161,820

Fundraising Expenses $804

Program Expenses $609,586

Other Expenses $682,091

TOTAL EXPENSES $844,436

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,377,155	$3,844,231	-0.6%
Expenses	$844,436	$2,962,706	-0.7%
Net Income	$532,719	$881,525	-0.4%

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

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

$91,350

Total Directors

$91,350

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURA M MOYNIHAN	EXECUTIVE DI	35.00	Officer Director	$91,350	$0	$91,350
LORI B ANDREWS	DIRECTOR	1.00	Director	$0	$0	$0
JOAN BATES	DIRECTOR	0.50	Director	$0	$0	$0
BRENDAN CRANE	DIRECTOR	0.50	Director	$0	$0	$0
ADDIE DROLETTE	PRESIDENT	0.50	Officer Director	$0	$0	$0
SAVANNAH FABBIO	TREASURER	0.50	Officer Director	$0	$0	$0
SUSAN GIFFORD	DIRECTOR	0.50	Director	$0	$0	$0
STEPHANIE MCDOWELL	DIRECTOR	0.50	Director	$0	$0	$0
EDWIN MONTEIRO	DIRECTOR	0.50	Director	$0	$0	$0
JOANNE O'SULLIVAN	VICE PRESIDE	1.00	Director	$0	$0	$0
TAMMY RAUSCH	DIRECTOR	0.50	Director	$0	$0	$0
DAVID SUTKOWY	SECRETARY	0.50	Director	$0	$0	$0
MARO TITYUS	DIRECTOR	0.50	Director	$0	$0	$0
THOMAS ZINE	DIRECTOR	0.50	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	$1,377,155	$844,436	$4,063,774	$532,719
2024	$3,844,231	$2,962,706	$3,547,607	$881,525
2023	$2,121,764	$1,918,958	$3,293,724	$202,806
2022	$839,739	$514,581	$2,829,250	$325,158
2021	$329,662	$162,375	$2,219,721	$167,287
2020	$365,563	$163,150	$2,065,041	$202,413
2019	$609,028	$590,908	$1,877,543	$18,120

FALMOUTH HOUSING TRUST