HABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC (EIN 222583590) - 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

1985

Legal Domicile

Principal Officer

DEBORAH A MARUCA HOAK

Phone

5087999259

Tax Period

2024-07-01 to 2025-06-30

HABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $4.0M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year.

Mission

SEEKING TO PUT GOD'S LOVE INTO ACTION. HABITAT FOR HUMANITY BRINGS PEOPLE TOGETHER TO BUILD HOMES,COMMUNITIES AND HOPE TO REALIZE OUR VISION OF A WORLD WHERE EVERYONE HAS A DECENT PLACE TO LIVE. HABITAT FOR HUMANITY METROWEST/GREATER WORCESTER, INC. ADHERES TO A STRICT NON-PROSELYTIZING POLICY AND WILL NOT OFFER ASSISTANCE ON THE EXPRESSED OR IMPLIED CONDITION THAT PEOPLE MUST ADHERE TO OR CONVERT TO A PARTICULAR FAITH OR LISTEN AND RESPOND TO MESSAGING DESIGNED TO INDUCE CONVERSION TO A PARTICULAR FAITH.

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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 $3,363,336

Program Service Revenue $283,332

Investment Income $175,755

Other Revenue $221,054

TOTAL REVENUE $4,043,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,652,872

Fundraising Expenses $631,463

Program Expenses $3,306,751

Other Expenses $2,691,754

TOTAL EXPENSES $4,344,626

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,043,477	$4,775,827	-0.2%
Expenses	$4,344,626	$3,841,202	+0.1%
Net Income	$-301,149	$934,625	-1.3%

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

2158

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

$141,499

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH A MARUCA HOAK	CHIEF EXEC O	40.00	Officer	$141,499	$0	$141,499
TONY BENVENUTI	DIRECTOR	2.00	Director	$0	$0	$0
BRYAN CLANCY	TREASURER	2.00	Officer Director	$0	$0	$0
JULIE DAVENPORT	PRESIDENT	2.00	Officer Director	$0	$0	$0
SPENCER FORTWENGLER	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA GRUPPOSO	DIRECTOR	2.00	Officer Director	$0	$0	$0
DANIEL HASSETT	DIRECTOR	2.00	Director	$0	$0	$0
RENS HAYES	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
ANITA JAMES	DIRECTOR	2.00	Director	$0	$0	$0
LINDA LEONARDI	DIRECTOR	2.00	Director	$0	$0	$0
ARLETTE LYNCH	DIRECTOR	2.00	Director	$0	$0	$0
TANIA MEDINA	CLERK	2.00	Officer Director	$0	$0	$0
TAYLOR PERKINS	DIRECTOR	2.00	Director	$0	$0	$0
EVELYN SANDOVAL	DIRECTOR	2.00	Director	$0	$0	$0
FRANCISCO VANDES	DIRECTOR	2.00	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	$4,043,477	$4,344,626	$9,653,349	$-301,149
2024	$4,775,827	$3,841,202	$10,304,115	$934,625
2023	$5,257,060	$5,158,720	$10,179,783	$98,340
2022	$6,746,500	$2,696,948	$8,022,000	$4,049,552
2021	$3,073,249	$2,436,055	$4,002,964	$637,194
2020	$2,358,298	$3,339,527	$2,777,735	$-981,229
2020	$2,327,592	$2,837,909	$3,521,333	$-510,317
2019	$3,125,232	$3,230,769	$3,620,338	$-105,537
2018	$2,425,172	$2,798,650	$3,523,255	$-373,478

HABITAT FOR HUMANITY METROWEST- GREATER WORCESTER INC