HABITAT FOR HUMANITY OF GREATER LOWELL INC (EIN 043123186) - 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

1991

Legal Domicile

Principal Officer

ELIZABETH GARBER

Phone

9786920927

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY OF GREATER LOWELL INC, founded in 1991, is a community nonprofit in the Housing & Shelter sector that reported $1.5M in total revenue in fiscal year 2024. The organization ran a surplus of $358K, a strong 23% operating margin.

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. HABITAT FOR HUMANITY OF GREATER LOWELL 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.

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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 $1,444,912

Program Service Revenue $84,715

Investment Income $199

Other Revenue $12,469

TOTAL REVENUE $1,542,295

Expense Breakdown

Grants Paid $0

Salaries & Benefits $704,219

Fundraising Expenses $219,538

Program Expenses $792,311

Other Expenses $480,434

TOTAL EXPENSES $1,184,653

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,542,295	$1,600,249	0.0%
Expenses	$1,184,653	$1,669,532	-0.3%
Net Income	$357,642	$-69,283	-6.2%

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

1073

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

$136,253

Total Directors

$40,744

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHEILAGH CARLISLE	EXECUTIVE DI	40.00	Officer	$95,509	$0	$95,509
ELIZABETH GARBER	PRESIDENT	5.00	Officer Director	$40,744	$0	$40,744
KATHERINE ADAMS	CLERK	1.00	Director	$0	$0	$0
ANDREW BARLOW	DIRECTOR	20.00	Director	$0	$0	$0
SILVIA BERRIO	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA BERRY	TREASURER	2.00	Officer Director	$0	$0	$0
JEFFREY BREM	DIRECTOR	0.50	Director	$0	$0	$0
GICELLE BRITO	DIRECTOR	3.00	Director	$0	$0	$0
MICHAEL COLLINS	DIRECTOR	2.00	Director	$0	$0	$0
PAUL GERMANO	VICE PRESIDE	1.00	Director	$0	$0	$0
PAMELA JACQUES-RAIMONDI	DIRECTOR	0.00	Director	$0	$0	$0
DAVID LAURELLO	DIRECTOR	8.00	Director	$0	$0	$0
JEN MCNUTT	DIRECTOR	0.50	Director	$0	$0	$0
JEFF TURCOTTE	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	$1,542,295	$1,184,653	$3,814,124	$357,642
2024	$1,600,249	$1,669,532	$3,171,788	$-69,283
2023	$2,025,515	$2,644,197	$3,417,455	$-618,682
2022	$1,620,766	$1,494,264	$4,083,112	$126,502
2021	$1,591,167	$1,475,224	$4,147,094	$115,943
2020	$2,493,792	$2,305,626	$4,021,244	$188,166
2019	$2,307,853	$2,026,745	$3,863,695	$281,108

HABITAT FOR HUMANITY OF GREATER LOWELL INC