Housatonic Habitat for Humanity

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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

DANIEL SILVA

Phone

2037441340

Tax Period

2024-07-01 to 2025-06-30

Housatonic Habitat for Humanity, founded in 1991, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum. The organization ran a surplus of $512K, a strong 17% operating margin.

Mission

HOUSATONIC HABITAT FOR HUMANITY MOBILIZES THE LOCAL COMMUNITY TO PROVIDE AFFORDABLE HOME ONWERSHIP TO LOCAL FAMILIES WITH LIMITED ASSETS WHO NEED A HAND UP TO BUY THEIR FIRST HOME. AS A NON-PROFIT, HOUSATONIC HABITAT ALSO PROVIDES ECONOMIC HOME REPAIRS FOR LOW-INCOME HOMEOWNERS. IT OPERATES A RESTORE HOME IMPROVEMENT THIRIFT WAREHOUSE WHICH RECYLCLES AND REUSES HOUSEHOLD MATERIALS.

Program Service Accomplishments

Program 1

Expenses: $304,260

HOUSATONIC HABITAT FOR HUMANITY MOBILIZES THE LOCAL COMMUNITY TO PROVIDE AFFORDABLE HOME ONWERSHIP OPPORTUNITIES TO LOCAL WORKING FAMILIES WITH LIMITED ASSETS WHO NEED ASSISTANCE TO PURCHASE THEIR...

HOUSATONIC HABITAT FOR HUMANITY MOBILIZES THE LOCAL COMMUNITY TO PROVIDE AFFORDABLE HOME ONWERSHIP OPPORTUNITIES TO LOCAL WORKING FAMILIES WITH LIMITED ASSETS WHO NEED ASSISTANCE TO PURCHASE THEIR FIRST HOME. AS A NON-PROFIT, HOUSATONIC HABITAT ALSO PROVIDES ECONOMIC REPAIRS FOR LOW-INCOME HOMEOWNERS, IT OPERATES A RESTORE HOME IMPROVEMENT THRIFT WAREHOUSE WHICH RECYCLES AND REUSES HOUSHOLD MATERIALS AND SELLS THEM TO THE PUBLIC AT DISCOUNTED PRICES.

Program 2

Expenses: $967,557 Revenue: $985,600

CONSTRUCTION OF HOMES FOR QUALIFIED FAMILIES

Program 3

Expenses: $902,252 Revenue: $1,572,687

This program sells donated and salvaged building materials to the general public at below market prices, with the net proceeds going towards the support of Habitat's mission.

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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 $208,645

Program Service Revenue $2,612,083

Investment Income $8,677

Other Revenue $117,196

TOTAL REVENUE $2,946,601

Expense Breakdown

Grants Paid $0

Salaries & Benefits $829,622

Fundraising Expenses $73,260

Program Expenses $2,174,069

Other Expenses $1,605,223

TOTAL EXPENSES $2,434,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,946,601	$2,298,297	+0.3%
Expenses	$2,434,845	$2,043,531	+0.2%
Net Income	$511,756	$254,766	+1.0%

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

250

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

$94,890

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTEN KEIL	EXECUTIVE DIRECTOR	40.0	Officer	$94,890	$0	$94,890
JOHN GONSKI	PRESIDENT	1.0	Officer Director	$0	$0	$0
DOUG HENSAL	VICE PRESIDENT	1.0	Officer Director	$0	$0	$0
CURT GILLESPIE	SECRETARY	1.0	Officer Director	$0	$0	$0
WES DUPREE	DIRECTOR	1.0	Director	$0	$0	$0
EDWARD FRANCIS	DIRECTOR	1.0	Director	$0	$0	$0
NELSON MERCHAN	DIRECTOR	1.0	Director	$0	$0	$0
DANIEL SILVA	TREASURER	1.0	Officer Director	$0	$0	$0
REV EMILE FINN	DIRECTOR	1.0	Director	$0	$0	$0
KENT ROHRER	DIRECTOR	1.0	Director	$0	$0	$0
PAMELA BROWN	DIRECTOR	1.0	Director	$0	$0	$0
LAURA MANZ	DIRECTOR	1.0	Director	$0	$0	$0
ELVIS NOVAS	DIRECTOR	1.0	Director	$0	$0	$0
JILL RAE	DIRECTOR	1.0	Director	$0	$0	$0
BRYAN TERZIAN	DIRECTOR	1.0	Director	$0	$0	$0
ANGELA WONG	DIRECTOR	1.0	Director	$0	$0	$0
DARRYL WRIGHT	DIRECTOR	1.0	Director	$0	$0	$0
JESSIE CASTRO	Director	1.0	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	$2,946,601	$2,434,845	$4,017,967	$511,756
2024	$2,298,297	$2,043,531	$3,546,765	$254,766
2023	$2,212,368	$2,072,679	$3,430,028	$139,689
2022	$2,325,918	$1,958,314	$2,441,952	$367,604
2021	$1,629,693	$1,258,567	$2,104,734	$371,126
2020	$854,957	$722,183	$1,795,115	$132,774
2019	$1,084,756	$1,034,205	$1,580,975	$50,551
2018	$730,282	$619,005	$1,641,972	$111,277