HABITAT FOR HUMANITY - CENTRAL BERKSHIRE (EIN 043157085) - 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

1993

Legal Domicile

Principal Officer

LUIS COELHO

Phone

4134423181

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY - CENTRAL BERKSHIRE, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $3.7M in total revenue in fiscal year 2024. Revenue surged 41% from the prior year, signaling strong growth momentum. The organization ran a surplus of $796K, a strong 21% operating margin.

Mission

CBHFH, AN AFFORDABLE HOUSING DEVELOPER WHO BRINGS PEOPLE TOGETHER TO BUILD HOMES, COMMUNITIES AND HOPE. CBHFH PARTNERS WITH LOW AND MODERATE INCOME FAMILIES TO BUILD AND REHABILITATE SIMPLE, DECENT, ENERGY EFFICIENT HOMES FOR HOME OWNERSHIP. ALL PEOPLE ARE INVITED TO JOIN CBHFH IN BUILDING STRENGTH, STABILITY, AND SELF-RELIANCE THROUGH SHELTER. CBHFH STRIVES TO RECOGNIZE AND VALUE THE DIVERSE NEEDS AND CONTRIBUTIONS OF COMMUNITY MEMBERS TO BUILD A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE.

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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 $2,331,409

Program Service Revenue $1,251,785

Investment Income $102,410

Other Revenue $19,028

TOTAL REVENUE $3,704,632

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,247,379

Fundraising Expenses $79,196

Program Expenses $2,675,948

Other Expenses $1,661,661

TOTAL EXPENSES $2,909,040

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,704,632	$2,623,937	+0.4%
Expenses	$2,909,040	$2,464,456	+0.2%
Net Income	$795,592	$159,481	+4.0%

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

325

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

$140,109

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA RICE	PRESIDENT	1.00	Officer Director	$0	$0	$0
CHRISTOPHER MOON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LOU COELHO	TREASURER	1.00	Officer Director	$0	$0	$0
BRANDY MCKIE	CLERK	1.00	Officer Director	$0	$0	$0
STACEY CARVER	DIRECTOR	1.00	Director	$0	$0	$0
NICK GREENE	DIRECTOR	1.00	Director	$0	$0	$0
JON KELLOGG	DIRECTOR	1.00	Director	$0	$0	$0
VICKY MAY	DIRECTOR	1.00	Director	$0	$0	$0
BENJAMIN STRAUSS	DIRECTOR	1.00	Director	$0	$0	$0
JACOB BEK	DIRECTOR	1.00	Director	$0	$0	$0
RADCLIFFE HAREWOOD	DIRECTOR	1.00	Director	$0	$0	$0
KACI NOWICKI	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA PETELL	DIRECTOR	1.00	Director	$0	$0	$0
MAGGIE STEELE	DIRECTOR	1.00	Director	$0	$0	$0
CATE TOWER	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN VALLI	EXECUTIVE DIRECTOR	40.00	Officer	$131,111	$8,998	$140,109

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	$3,704,632	$2,909,040	$4,819,221	$795,592
2024	$2,623,937	$2,464,456	$4,065,055	$159,481
2023	$1,855,446	$1,671,077	$3,943,362	$184,369
2022	$2,396,947	$1,772,276	$3,644,404	$624,671
2021	$1,991,262	$1,685,555	$3,097,954	$305,707
2020	$1,391,981	$1,205,204	$2,753,376	$186,777
2019	$1,307,950	$1,049,949	$2,278,808	$258,001
2018	$1,108,364	$1,069,477	$2,018,156	$38,887

HABITAT FOR HUMANITY - CENTRAL BERKSHIRE