HABITAT FOR HUMANITY OF COASTAL FAIRFIELD COUNTY INC (EIN 222597077) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1985

Legal Domicile

Principal Officer

CAROLYN VERMONT

Phone

2033332642

Tax Period

2023-01-01 to 2023-12-31

HABITAT FOR HUMANITY OF COASTAL FAIRFIELD COUNTY INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $5.8M in total revenue in fiscal year 2023. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $5.4M left a modest 7% surplus.

Mission

THE ORGANIZATION PROVIDES HOME OWNERSHIP TO RESPONSIBLE LOW-INCOME FAMILIES THROUGH NEW CONSTRUCTION OR RENOVATION OF EXISTING HOUSING STOCK.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,262,535

Program Service Revenue $3,153,749

Investment Income $295,830

Other Revenue $80,201

TOTAL REVENUE $5,792,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,207,557

Fundraising Expenses $348,708

Program Expenses $4,330,736

Other Expenses $3,175,937

TOTAL EXPENSES $5,383,494

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,792,315	$12,169,324	-0.5%
Expenses	$5,383,494	$6,330,111	-0.1%
Net Income	$408,821	$5,839,213	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

22500

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

$394,943

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEORGE KEITH	CHAIR	1.00	Officer Director	$0	$0	$0
ELIZABETH A MASSOUD	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN COOK	TREASURER	1.00	Officer Director	$0	$0	$0
BETH RAFFERTY	SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERT GIGLIETTI	DIRECTOR	1.00	Director	$0	$0	$0
DWAYNE SMITH	DIRECTOR	1.00	Director	$0	$0	$0
T DAVID SHORT	DIRECTOR	1.00	Director	$0	$0	$0
HASSAN BUTT	DIRECTOR	1.00	Director	$0	$0	$0
MARC KOSAK	DIRECTOR	1.00	Director	$0	$0	$0
DANIELLE LEBLANC	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW MATARESE	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN VERMONT	CEO	40.00	Officer	$150,352	$15,664	$166,016
KEVIN MOORE	COO	40.00	Officer	$120,685	$6,611	$127,296
KENNETH ESSEX	DIRECTOR OF FINANCE & OPER	40.00	Officer	$65,531	$0	$65,531
JOHN CORSANO	CFO	40.00	Officer	$36,100	$0	$36,100
RICHARD DESAUTELS	RESTORE MANAGER	40.00	Highest	$104,027	$0	$104,027

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
2024	No data	No data	No data	No data
2023	$5,792,315	$5,383,494	$20,728,091	$408,821
2022	$12,169,324	$6,330,111	$19,556,234	$5,839,213
2021	$5,778,803	$5,006,453	$10,938,183	$772,350
2020	$4,099,363	$4,349,506	$10,271,690	$-250,143
2019	$5,719,687	$6,280,772	$11,346,291	$-561,085
2018	$5,578,824	$4,952,393	$13,128,874	$626,431

HABITAT FOR HUMANITY OF COASTAL FAIRFIELD COUNTY INC