WESTFORD, MA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
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.
HOMEOWNERSHIP PROGRAM:FAMILIES IN NEED OF A DECENT PLACE TO LIVE BUILD SAFE AND AFFORDABLE HOMES IN PARTNERSHIP WITH US. HABITAT HOUSES ARE MODESTLY 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 MODESTLY 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 HOUSE 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 INVESING IN EDUCATIONAL OPPORTUNITIES, BOLSTERING JOB OPPORTUNITIES AND CAREER GROWTH. DURING THE FISCAL YEAR, HABITAT SERVED PEOPLE THROUGH ITS LONG-TERM HOMEOWNERSHIP PROGRAM.
THE RESTORE IS A RETAIL OUTLET OPEN TO THE PUBLIC. ALL FUNDS RAISED BY THE RESTORE PROVIDE DIRECT SUPPORT TO HABITAT FOR HUMANITY'S MISSION OF BUILDING STRENGTH, STABILITY AND SELF-RELIANCE THROUGH...
THE RESTORE IS A RETAIL OUTLET OPEN TO THE PUBLIC. ALL FUNDS RAISED BY THE RESTORE PROVIDE DIRECT SUPPORT TO HABITAT FOR HUMANITY'S MISSION OF BUILDING STRENGTH, STABILITY AND SELF-RELIANCE THROUGH SHELTER IN OUR COMMUNITY. THE RESTORE ACCEPTS DROP OFFS OR WILL SCHEDULE FREE PICK UPS FOR NEW AND GENTLY USED HOME IMPROVEMENT MATERIALS, HOME GOODS, FURNITURE, LIGHTING, FLOORING AND APPLIANCES. THESE ITEMS ARE THEN SOLD AT 50-70% OFF RETAIL PRICES TO PEOPLE OF ALL INCOME LEVELS, THEREFORE GENERATING FUNDS TO BUILD MORE AFFORDABLE HOMES IN THE GREATER LOWELL AREA. THE RESTORE IS A GREEN INITIATIVE, KEEPING USEABLE BUILDING MATERIALS, HOME IMPROVEMENT PRODUCTS, FURNITURE, APPLIANCES AND HOUSEHOLD ITEMS OUT OF LANDFILLS TO THE TUNE OF ABOUT 350 TONS A YEAR, THEREBY SAVING SPACE AND MONEY.
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)| 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% |
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 |
|---|---|---|---|---|---|---|
| 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 |
| 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 |
Compare HABITAT FOR HUMANITY OF GREATER LOWELL INC with other nonprofits in Massachusetts and across the country.