Cross Roads House Inc

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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

1982

Legal Domicile

Principal Officer

Wildolfo Arvelo

Phone

6034362218

Tax Period

2023-07-01 to 2024-06-30

Cross Roads House Inc, founded in 1982, is a community nonprofit in the Housing & Shelter sector that reported $4.4M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 25% operating margin.

Mission

In 1982, Cross Roads House was established to meet the immediate needs of homeless individuals and families in the NH Seacoast area and to create pathways to affordable housing. We provide emergency and transitional shelter housing-focused case management and wrap around services at our location in Portsmouth. In 2016, to reduce recidivism and prevent eviction of those who moved to permanent housing, we began providing housing stability case management. This is an extension of our in-house case management and cares for 80+ households per year in the area. We also have a HUD-funded, tenant-based permanent supportive housing program that provides rental assistance and supportive services. To further support creating pathways to affordable housing, in 2022 we added a Housing Liaison to our team. This position connects with area landlords and property owners to address the challenges of placement into affordable housing in a highly priced and highly competitive rental housing market.

Program Service Accomplishments

Program 1

Expenses: $2,521,264 Revenue: $174,320

Purpose is to provide safe and supportive emergency housing to individuals and families experiencing homelessness.

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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 (2023)

Revenue Breakdown

Contributions & Grants $3,522,014

Program Service Revenue $174,320

Investment Income $393,071

Other Revenue $355,632

TOTAL REVENUE $4,445,037

Expense Breakdown

Grants Paid $254,302

Salaries & Benefits $1,997,023

Fundraising Expenses $352,781

Program Expenses $2,521,264

Other Expenses $1,091,896

TOTAL EXPENSES $3,343,221

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,445,037	$3,992,303	+0.1%
Expenses	$3,343,221	$3,250,679	+0.0%
Net Income	$1,101,816	$741,624	+0.5%

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

272

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

$154,743

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chuck Silva	President	3.00	Officer Director	$0	$0	$0
Vanda Moore	Vice President	1.00	Officer Director	$0	$0	$0
Robert Brown	Treasurer	2.00	Officer Director	$0	$0	$0
Jason Gregoire	Secretary	1.00	Officer Director	$0	$0	$0
Michael Adams	Board Member	2.00	Director	$0	$0	$0
Michael Ambrogi	Board Member	1.00	Director	$0	$0	$0
Bob Bear	Board Member	1.00	Director	$0	$0	$0
Chris Bellmare	Board Member	1.00	Director	$0	$0	$0
Suzanne Bresette	Board Member	1.00	Director	$0	$0	$0
Lisa Clark	Board Member	1.00	Director	$0	$0	$0
Ken Cohen	Board Member	1.00	Director	$0	$0	$0
Denis Dillon	Board Member	1.00	Director	$0	$0	$0
Michael Dvorak	Board Member	1.00	Director	$0	$0	$0
Kathryn Drew	Board Member	1.00	Director	$0	$0	$0
Brian Gibb	Board Member	1.00	Director	$0	$0	$0
Steve Goddard	Board Member	1.00	Director	$0	$0	$0
Shaun Mathews	Board Member	1.00	Director	$0	$0	$0
Theresa Palmer	Board Member	1.00	Director	$0	$0	$0
Maggie Randolph	Board Member	1.00	Director	$0	$0	$0
Lex Scourby	Board Member	2.00	Director	$0	$0	$0
Ben St Jean	Board Member	3.00	Director	$0	$0	$0
Rob Stevens	Board Member	1.00	Director	$0	$0	$0
Andrea Williamson	Board Member	1.00	Director	$0	$0	$0
Bruce Yohr	Board Member	1.00	Director	$0	$0	$0
Wildolfo Arvelo	Executive Director	40.00	Officer	$130,793	$0	$130,793
Christine Stover	COO	40.00	Officer	$0	$0	$0
Stephanie Bacon	Finance Director	40.00	Officer	$23,950	$0	$23,950

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	No data	No data	No data	No data
2024	$4,445,037	$3,343,221	$11,186,542	$1,101,816
2023	$3,992,303	$3,250,679	$10,036,311	$741,624
2022	$3,626,882	$2,892,623	$9,120,003	$734,259
2021	$3,897,238	$2,753,659	$8,658,400	$1,143,579
2020	$2,792,584	$2,184,722	$7,315,251	$607,862
2019	$1,765,890	$1,845,772	$6,564,543	$-79,882