GREATER SPRINGFIELD HABITAT FOR HUMANITY INC (EIN 042970982) - 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

1987

Legal Domicile

Principal Officer

IAN CODDINGTON

Phone

4137395503

Tax Period

2022-07-01 to 2023-06-30

GREATER SPRINGFIELD HABITAT FOR HUMANITY INC, founded in 1987, is a small nonprofit in the Housing & Shelter sector that reported $893K in total revenue in fiscal year 2022. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $1.2M exceeded revenue, resulting in a 33% operating deficit.

Mission

TO CREATE SAFE, DECENT, AFFORDABLE HOUSING FOR THOSE IN NEED, AND TO MAKE DECENT SHELTER A MATTER OF CONSCIENCE WITH PEOPLE EVERYWHERE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $391,025

Program Service Revenue $0

Investment Income $0

Other Revenue $502,010

TOTAL REVENUE $893,035

Expense Breakdown

Grants Paid $0

Salaries & Benefits $440,173

Fundraising Expenses $30,778

Program Expenses $954,160

Other Expenses $749,851

TOTAL EXPENSES $1,190,024

Year-over-Year Comparison

	2022	2021	Change
Revenue	$893,035	$1,369,060	-0.3%
Expenses	$1,190,024	$1,305,967	-0.1%
Net Income	$-296,989	$63,093	-5.7%

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

$74,217

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL CARDAROPOLI	PRESIDENT	10.00	Officer Director	$0	$0	$0
NADINE MAGGI	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBIN OLEJARZ	CLERK	3.00	Officer Director	$0	$0	$0
IAN CODDINGTON	TREASURER	1.00	Officer Director	$0	$0	$0
TIFFANY TRANGHESE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MATTHEW MACDONNELL	BOARD MEMBER	1.00	Director	$0	$0	$0
MCKENZIE RUSSELL-MASTERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
DOMINIC SANTANIELLO	BOARD MEMBER	1.00	Director	$0	$0	$0
CYNTHIA WSZOLEK	BOARD MEMBER	1.00	Director	$0	$0	$0
SARA MIMOSO	BOARD MEMBER	1.00	Director	$0	$0	$0
KATIE SHEA	BOARD MEMBER	1.00	Director	$0	$0	$0
AIMEE GIROUX	EXECUTIVE DIRECTOR	40.00	Officer	$72,055	$2,162	$74,217

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$893,035	$1,190,024	$869,805	$-296,989
2022	$1,369,060	$1,305,967	$1,229,162	$63,093
2021	$1,508,824	$1,602,974	$1,034,878	$-94,150
2020	$1,280,802	$1,253,610	$1,286,589	$27,192
2019	$1,263,435	$1,439,196	$1,234,981	$-175,761

GREATER SPRINGFIELD HABITAT FOR HUMANITY INC