SOUTH SHORE HABITAT FOR HUMANITY I… - Form 990 Financial Data

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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

1986

Legal Domicile

Principal Officer

ERIN MCGOUGH ROWE

Phone

7813377744

Tax Period

2024-07-01 to 2025-06-30

SOUTH SHORE HABITAT FOR HUMANITY INC, founded in 1986, is a community nonprofit in the Housing & Shelter sector that reported $1.9M in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. The organization ran a surplus of $366K, a strong 19% operating margin.

Mission

TOGETHER WE BUILD STRENGTH, STABILITY AND SELF-RELIANCE THROUGH SHELTER BY PARTNERING WITH FAMILIES IN NEED OF AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $1,215,727 Revenue: $308,784

THE ORGANIZATION PURSUES ITS MISSION BY BUILDING HOMES USING DONATED LAND, SUPPLIES, VOLUNTEER LABOR, CONTRIBUTED FUNDS, AND PROPERTIES OBTAINED FOR MINIMAL COST. THE ORGANIZATION THEN SELLS THESE...

THE ORGANIZATION PURSUES ITS MISSION BY BUILDING HOMES USING DONATED LAND, SUPPLIES, VOLUNTEER LABOR, CONTRIBUTED FUNDS, AND PROPERTIES OBTAINED FOR MINIMAL COST. THE ORGANIZATION THEN SELLS THESE HOMES AT NO MORE THAN COST PLUS THE VALUE OF THE DONATED MATERIALS TO SELECTED, LOW-INCOME FAMILIES. THE LAND IS TYPICALLY DONATED BY CITIES AND TOWNS AND, FREQUENTLY, THESE DONATIONS SUBJECT THE HOME SALE TO A MAXIMUM SELLING PRICE. FAMILIES CONTRIBUTE "SWEAT EQUITY" IN THEIR HOMES OR SUCCEEDING HOMES. DURING THE YEAR ENDED JUNE 30, 2025, THE ORGANIZATION SOLD ONE HOME. AT JUNE 30, 2025, THERE WERE FIVE OUTSTANDING COMMITMENTS TO BUILD.

Program 2

Expenses: $80,183

THE ORGANIZATION'S CRITICAL HOME REPAIR PROGRAM ASSISTS QUALIFIED SENIORS AND VETERANS WHO ARE STRUGGLING TO MAINTAIN THEIR HOME.

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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 $1,566,001

Program Service Revenue $308,784

Investment Income $56,931

Other Revenue $2,529

TOTAL REVENUE $1,934,245

Expense Breakdown

Grants Paid $6,500

Salaries & Benefits $612,543

Fundraising Expenses $122,854

Program Expenses $1,295,910

Other Expenses $948,833

TOTAL EXPENSES $1,567,876

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,934,245	$2,161,689	-0.1%
Expenses	$1,567,876	$1,731,926	-0.1%
Net Income	$366,369	$429,763	-0.1%

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

1047

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

$132,527

Total Directors

$117,816

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BETH LYONS	EXECUTIVE DIRECTOR (THRU 11/2024)	40.00	Officer Director	$117,816	$0	$117,816
ROBERT E O'NEILL	PRESIDENT	8.00	Officer Director	$0	$0	$0
RICHARD HALVERSON	VICE PRESIDENT	6.00	Officer Director	$0	$0	$0
TERRY GREEN	SECRETARY	6.00	Officer Director	$0	$0	$0
ANTONETTE DAVIS	TREASURER	2.00	Officer Director	$0	$0	$0
KIM BIELAN	DIRECTOR	1.00	Director	$0	$0	$0
KATI BRIGHAM	DIRECTOR	2.00	Director	$0	$0	$0
JACK CONLIN	DIRECTOR	2.00	Director	$0	$0	$0
RUDY DAJIE	DIRECTOR	3.00	Director	$0	$0	$0
MARK EVERETT	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL FALOTICO	DIRECTOR	1.00	Director	$0	$0	$0
PETER GRAPE	DIRECTOR	5.00	Director	$0	$0	$0
TRACY HARVARD	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN HAYES	DIRECTOR	2.00	Director	$0	$0	$0
FRANK KELLY	DIRECTOR	1.00	Director	$0	$0	$0
GLENN TATTRIE	DIRECTOR	2.00	Director	$0	$0	$0
ERIN MCGOUGH ROWE	EXECUTIVE DIRECTOR (AS OF 11/2024)	40.00	Officer	$14,423	$288	$14,711

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	$1,934,245	$1,567,876	$2,993,742	$366,369
2024	No data	No data	No data	No data
2023	$1,274,243	$840,510	$2,242,969	$433,733
2022	$1,579,287	$1,461,836	$1,849,728	$117,451
2021	$1,814,968	$1,344,512	$1,513,755	$470,456
2020	$2,541,003	$2,947,910	$1,567,015	$-406,907
2019	$2,432,384	$2,392,477	$2,443,854	$39,907
2018	$2,313,690	$2,482,656	$1,825,333	$-168,966

SOUTH SHORE HABITAT FOR HUMANITY INC