LAWRENCE, MA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)BREAD & ROSES HOUSING INC, founded in 1987, is a small nonprofit that reported $210K in total revenue in fiscal year 2023. Expenses of $279K exceeded revenue, resulting in a 33% operating deficit.
CREATE, PRESERVE AND ADVOCATE FOR AFFORDABLE HOUSING OPPORTUNITIES FOR LOW-INCOME FAMILIES; SUPPORT FAMILIES' GOALS OF SELF SUFFICIENCY, EDUCATION AND EMPOWERMENT; IMPROVE ECONOMICALLY DISTRESSED NEIGHBORHOODS, AND ADVOCATE FOR THE AFFORDABLE HOUSING NEEDS OF FAMILIES' GOALS OF SELF SUFFICIENCY, EUDCATION AND EMPOWERMENT.
BREAD AND ROSES HOUSING'S AFFORDABLE HOME OWNERSHIP OPPORTUNITIES ARE AMONG THE MOST ACCESSIBLE AND AFFORDABLE IN NEW ENGLAND. ITS COMMUNITY LAND TRUST MODEL, A PROGRESSIVE SOLUTION TO COMMUNITY...
BREAD AND ROSES HOUSING'S AFFORDABLE HOME OWNERSHIP OPPORTUNITIES ARE AMONG THE MOST ACCESSIBLE AND AFFORDABLE IN NEW ENGLAND. ITS COMMUNITY LAND TRUST MODEL, A PROGRESSIVE SOLUTION TO COMMUNITY CHANGE, TAKES THE VALUE OF THE LAND OUT OF THE HOME-BUYING PROCESS, PRESERVING THE LAND AS A COMMUNITY RESOURCE WHILE OPENING THE DOOR TO HOME OWNERSHIP TO VERY LOW INCOME FAMILIES. BESIDES CREATING AND PRESERVING AFFORDABLE HOME OWNERSHIP OPPORTUNITIES FOR HOUSEHOLDS TRADITIONALLY EXCLUDED FROM THE HOUSING MARKET, OUR FAMILY SUPPORT PROGRAM PROVIDES EDUCATION AND TRAINING, AS WELL AS NETWORKING AND ORGANIZING OPPORTUNITIES TO ENSURE FAMILIES' CONTINUED SUCCESS. ADVOCATING FOR THE HOUSING NEEDS OF LOW INCOME FAMILIES THROUGH COLLABORATIVE PARTNERHIPS IS A KEY PRIORITY FOR THE ORGANIZATION. SINCE ITS INCEPTION, BREAD & ROSES HOUSING HAS CONDUCTED EDUCATION SEMINARS FOR OVER 2,700 LOW INCOME, FIRST TIME HOMEBUYERS AND ENABLED 54 FAMILIES TO OBTAIN AND MAINTAIN THEIR OWN HOME - FAMILIES THAT MIGHT HAVE NEVER HAD THE OPPORTUNITY TO PURCHASE THEIR OWN PROPERTY.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $210,238 | $216,547 | 0.0% |
| Expenses | $278,853 | $390,225 | -0.3% |
| Net Income | $-68,615 | $-173,678 | -0.6% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ARLIN SANTIAGO | PRESIDENT | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| MARIE THERESE CHAHINE | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| VIVIANNA CORDERO | CLERK | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| GLORIA ABOU-HAIDAR | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SASHA TORRES | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ANNMARY IRENE CONNOR | EXECUTIVE DIRECTOR | 40.00 |
Director
|
$90,171 | $2,705 | $92,876 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $13,089 | $17,594 | No data | $-4,505 |
| 2024 | $210,238 | $278,853 | $2,672,696 | $-68,615 |
| 2023 | $216,547 | $390,225 | $2,139,582 | $-173,678 |
| 2022 | $486,722 | $345,046 | $2,264,147 | $141,676 |
| 2021 | $1,196,868 | $1,397,563 | $2,346,641 | $-200,695 |
| 2020 | $470,457 | $268,695 | $2,616,235 | $201,762 |
| 2019 | $469,609 | $310,291 | $2,277,557 | $159,318 |
| 2018 | $559,176 | $489,374 | $2,578,231 | $69,802 |
Compare BREAD & ROSES HOUSING INC with other nonprofits in Massachusetts and across the country.