PIONEER VALLEY HABITAT FOR HUMANIT… - Form 990 Financial Data

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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

1989

Legal Domicile

Principal Officer

MUTHONI MAGUA

Phone

4135865430

Tax Period

2024-07-01 to 2025-06-30

PIONEER VALLEY HABITAT FOR HUMANITY INC, founded in 1989, is a community nonprofit in the Housing & Shelter sector that reported $1.7M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION, HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES, AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. PIONEER VALLEY HABITAT FOR HUMANITY ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

Program Service Accomplishments

Program 1

Expenses: $1,544,238 Revenue: $788,399

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODELTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER...

HOMEOWNERSHIP PROGRAM: FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODELTLY SIZED. THEY ARE LARGE ENOUGH FOR THE HOMEOWNER FAMILY'S NEEDS, BUT SMALL ENOUGH TO KEEP CONSTRUCTION AND MAINTENANCE COSTS AFFORDABLE. BY USING THE LABOR OF VOLUNTEERS AND PROSPECTIVE HOMEOWNERS, EMPLOYING EFFICIENT BUILDING METHODS, KEEPING HOUSE SIZES MODEST, USING DONATED CONSTRUCTION MATERIALS AND APPLIANCES, AND ISSUING NO-PROFIT LOANS, HABITAT MAKES ITS HOUSES AFFORDABLE FOR LOW-INCOME FAMILIES TO PURCHASE. AFFORDABLE HOMEOWNERSHIP HELPS CREATE THE CONDITIONS THAT FREE FAMILIES FROM INSTABILITY, STRESS, AND FEAR AND ENCOURAGE SELF-RELIANCE AND CONFIDENCE. STUDIES SHOW THAT STRONG AND STABLE HOUSEHOLDS ARE FOUNDATIONAL TO CHILD DEVELOPMENT AND GROWTH. WHEN A HOME FOSTERS- INSTEAD OF HINDERS - HEALTH AND SAFETY, FAMILIES CAN FLOURISH. OWNING AN AFFORDABLE HOME ALSO ALLOWS HOMEOWNERS TO LIFT UP THEIR ENTIRE FAMILY BY SAVING FOR THEIR FUTURES AND INVESTING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING THE FISCAL YEAR, PIONEER VALLEY HABITAT SERVED MANY FAMILIES THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.

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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 $842,227

Program Service Revenue $788,399

Investment Income $16,631

Other Revenue $60,078

TOTAL REVENUE $1,707,335

Expense Breakdown

Grants Paid $0

Salaries & Benefits $322,164

Fundraising Expenses $137,567

Program Expenses $1,544,238

Other Expenses $1,438,303

TOTAL EXPENSES $1,760,467

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,707,335	$1,572,738	+0.1%
Expenses	$1,760,467	$1,504,968	+0.2%
Net Income	$-53,132	$67,770	-1.8%

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

286

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

$73,833

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MEGAN MCDONOUGH	EXECUTIVE DI	32.00	Officer	$58,428	$15,405	$73,833
ZAN BROSS	DIRECTOR	1.00	Director	$0	$0	$0
KATHY CAPUTO	CLERK	2.00	Officer Director	$0	$0	$0
TOM CROSSMAN	DIRECTOR	1.00	Director	$0	$0	$0
LEANNA CUTLER	DIRECTOR	1.00	Director	$0	$0	$0
PETER GRAHAM	DIRECTOR	1.00	Director	$0	$0	$0
JIM HICKEY	DIRECTOR	1.00	Director	$0	$0	$0
DARCY JOHNSON	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
MARYANNE KUROCZKO	ASSISTANT CL	2.00	Officer Director	$0	$0	$0
MARIAH KURTZ	PRESIDENT	2.00	Officer Director	$0	$0	$0
SETH LAWRENCE-SLAVAS	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM LEVINE	DIRECTOR	1.00	Director	$0	$0	$0
MUTHONI MAGUA	TREASURER	2.00	Officer Director	$0	$0	$0
ROB STEINBERG	DIRECTOR	1.00	Director	$0	$0	$0
HOLLY YOUNG	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
2025	$1,707,335	$1,760,467	$2,148,900	$-53,132
2024	$1,572,738	$1,504,968	$2,448,845	$67,770
2023	$1,189,491	$798,531	$2,677,860	$390,960
2022	$982,596	$480,924	$2,673,521	$501,672
2021	$1,383,933	$889,990	$2,334,622	$493,943
2020	$911,600	$824,817	$1,848,744	$86,783
2019	$980,581	$773,794	$1,713,687	$206,787
2018	$705,694	$688,145	$1,691,501	$17,549

PIONEER VALLEY HABITAT FOR HUMANITY INC