ESSEX COUNTY HABITAT FOR HUMANITY INC (EIN 222672831) - 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

MEEGAN O'NEIL

Phone

9786818858

Tax Period

2024-07-01 to 2025-06-30

ESSEX COUNTY HABITAT FOR HUMANITY INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $3.1M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $2.8M left a modest 8% surplus.

Mission

THE ORGANIZATION'S GOAL IS TO BUILD AFFORDABLE HOUSING FOR THE ECONOMICALLY DISADVANTAGED.

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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 $2,411,561

Program Service Revenue $473,947

Investment Income $11,973

Other Revenue $181,344

TOTAL REVENUE $3,078,825

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,460,139

Fundraising Expenses $363,243

Program Expenses $2,140,653

Other Expenses $1,370,644

TOTAL EXPENSES $2,830,783

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,078,825	$2,718,611	+0.1%
Expenses	$2,830,783	$2,562,768	+0.1%
Net Income	$248,042	$155,843	+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

Volunteers

528

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

$160,564

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MEEGAN O'NEIL	EXECUTIVE DI	40.00	Officer	$154,388	$6,176	$160,564
KEITH HARTMAN	BUILDING DIR	40.00	Highest	$112,217	$5,300	$117,517
TINA BENIK	DIRECTOR	0.50	Director	$0	$0	$0
ROB BERNADIN	DIRECTOR	0.50	Director	$0	$0	$0
ELVINSON CORPORAN	DIRECTOR	0.50	Director	$0	$0	$0
GARY COWLES	VICE PRESIDE	0.50	Officer Director	$0	$0	$0
LOUIS DEGEORGE	DIRECTOR	0.50	Director	$0	$0	$0
MARK DIPASQUALE	TREASURER	0.50	Officer Director	$0	$0	$0
LEONEL ESPINAL	DIRECTOR	0.50	Director	$0	$0	$0
PATI FERNANDEZ	DIRECTOR	0.50	Director	$0	$0	$0
SALLY GREEN	GOVERNANCE C	0.50	Officer Director	$0	$0	$0
TANIA HARTFORD	DIRECTOR	0.50	Director	$0	$0	$0
STUART JOHNSON	DIRECTOR	0.50	Director	$0	$0	$0
KEN KRALL	DIRECTOR	0.50	Director	$0	$0	$0
RONALD KUTRIEB	DIRECTOR	0.50	Director	$0	$0	$0
DIANE MCCLINTOCK	DIRECTOR	0.50	Director	$0	$0	$0
COLLEEN MCPHERSON	DIRECTOR	0.50	Director	$0	$0	$0
STEPHEN SAKAKEENY	DIRECTOR	0.50	Director	$0	$0	$0
RICHARD SUMBERG	PRESIDENT	0.50	Officer Director	$0	$0	$0
JENNIFER SUTHERBY	DIRECTOR	0.50	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	$3,078,825	$2,830,783	$7,540,176	$248,042
2024	No data	No data	No data	No data
2023	$2,759,370	$2,769,415	$5,554,891	$-10,045
2022	$6,060,569	$5,309,720	$5,359,442	$750,849
2021	$1,999,856	$1,789,948	$4,990,552	$209,908
2021	$1,061,453	$1,774,394	$5,006,105	$-712,941
2019	$2,362,839	$2,417,218	$2,211,832	$-54,379
2018	$2,718,150	$1,742,238	$2,449,710	$975,912

ESSEX COUNTY HABITAT FOR HUMANITY INC