BVARC HOUSING BLACKSTONE VALLEY CHAPTER (EIN 050484094) - 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

1994

Legal Domicile

Principal Officer

JOHN J PADIEN III

Phone

4017270150

Tax Period

2024-07-01 to 2025-06-30

BVARC HOUSING BLACKSTONE VALLEY CHAPTER, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $165K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $193K exceeded revenue, resulting in a 17% operating deficit.

Mission

FOR THE CHARITABLE PURPOSE OF DEVELOPING AND OPERATING BVARC HOUSING BLACKSTONE VALLEY CHAPTER, A RESIDENTIAL FACILITY FOR DISABLED PERSONS, UNDER SECTION 811 OF THE NATIONAL HOUSING ACT.

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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 $71,367

Program Service Revenue $81,929

Investment Income $1,003

Other Revenue $10,792

TOTAL REVENUE $165,091

Expense Breakdown

Grants Paid $0

Salaries & Benefits $31,677

Fundraising Expenses $0

Program Expenses $166,660

Other Expenses $161,351

TOTAL EXPENSES $193,028

Year-over-Year Comparison

	2024	2023	Change
Revenue	$165,091	$150,711	+0.1%
Expenses	$193,028	$143,581	+0.3%
Net Income	$-27,937	$7,130	-4.9%

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

N/A

Volunteers

N/A

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

$544,128

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS E HODGE	DIRECTOR	0.30	Director	$0	$0	$0
KATHLEEN O'NEILL	SECRETARY	0.30	Officer Director	$0	$0	$0
JOSEPH F MCENNESS	TREASURER	0.30	Officer Director	$0	$0	$0
WILLIAM J SZAFAROWICZ	PRESIDENT	0.30	Officer Director	$0	$0	$0
JULIA LOTTINVILLE	DIRECTOR	0.30	Director	$0	$0	$0
HENRIQUE T PEDRO RPH	DIRECTOR	0.30	Director	$0	$0	$0
BROTHER JAMES M PETERSON	DIRECTOR	0.30	Director	$0	$0	$0
JOHN WOOD	DIRECTOR	0.30	Director	$0	$0	$0
ANITRA VALLES	DIRECTOR	0.30	Director	$0	$0	$0
MARGARET O'NEILL	DIRECTOR	0.30	Director	$0	$0	$0
GARY PANNONE	DIRECTOR	0.30	Director	$0	$0	$0
JOHN J PADIEN III	CHIEF EXECUTIVE OFFICER	1.00	Officer	$175,226	$47,926	$223,152
DALE KENNEDY	CHIEF PRODUCT OFFICER	1.00	Officer	$119,191	$39,455	$158,646
DIANE SANFORD	CHIEF ADMINISTRATIVE OFFICER	1.00	Officer	$122,582	$39,748	$162,330

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	$165,091	$193,028	$601,021	$-27,937
2024	$150,711	$143,581	$623,492	$7,130
2023	$134,441	$153,208	$618,797	$-18,767
2022	$137,167	$146,426	$631,650	$-9,259
2021	$136,174	$150,044	$644,230	$-13,870
2020	$136,170	$140,460	$653,534	$-4,290
2019	$129,234	$145,577	$659,083	$-16,343

BVARC HOUSING BLACKSTONE VALLEY CHAPTER