SCOTIA COMMITTEE HOUSING DEVELOPMENT FUND CO INC (EIN 222418269) - 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

EDWARD PINKERTON

Phone

5183747407

Tax Period

2024-12-01 to 2025-11-30

SCOTIA COMMITTEE HOUSING DEVELOPMENT FUND CO INC, founded in 1994, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $226K, a strong 17% operating margin.

Mission

SEE FORM 990, PAGE 2, PART III, LINE 1A

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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 $0

Program Service Revenue $1,162,138

Investment Income $140,082

Other Revenue $0

TOTAL REVENUE $1,302,220

Expense Breakdown

Grants Paid $36,250

Salaries & Benefits $299,714

Fundraising Expenses $0

Program Expenses $951,108

Other Expenses $739,971

TOTAL EXPENSES $1,075,935

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,302,220	$1,196,766	+0.1%
Expenses	$1,075,935	$1,053,068	+0.0%
Net Income	$226,285	$143,698	+0.6%

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

$3,025

Total Directors

$4,575

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD COLUCCIELLO	TREASURER	5.00	Officer Director	$675	$0	$675
NANCY SHULTZ	DIRECTOR	2.00	Director	$425	$0	$425
CHRISTINE BISSONETTE	SECRETARY	5.00	Officer Director	$950	$0	$950
EDWARD PINKERTON	PRESIDENT	5.00	Officer Director	$700	$0	$700
HARLAN BARNEY	DIRECTOR	2.00	Director	$225	$0	$225
MARY BETH BUTCH	DIRECTOR	2.00	Director	$75	$0	$75
LOUIS GIAMMATTEO	DIRECTOR	2.00	Director	$150	$0	$150
RHONDA KRUTZ	DIRECTOR	2.00	Director	$225	$0	$225
TODD LAVERY	DIRECTOR	2.00	Director	$150	$0	$150
RONALD PINKERTON	DIRECTOR	2.00	Director	$225	$0	$225
SID RAMOTAR	DIRECTOR	2.00	Director	$75	$0	$75
SHARON MACNEIL	VICE-PRESIDENT	5.00	Officer Director	$700	$0	$700

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	$1,302,220	$1,075,935	$6,636,294	$226,285
2024	$1,196,766	$1,053,068	$6,403,446	$143,698
2023	$1,158,064	$995,514	$6,329,825	$162,550
2022	$1,022,068	$936,897	$6,073,222	$85,171
2021	$1,015,600	$974,118	$6,046,028	$41,482
2020	$978,770	$827,893	$6,007,394	$150,877
2018	$930,021	$664,413	$5,685,683	$265,608

SCOTIA COMMITTEE HOUSING DEVELOPMENT FUND CO INC