WORCESTER COMM HOUSING RESOURCE 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

1988

Legal Domicile

Phone

5087990322

Tax Period

2025-01-01 to 2025-12-31

WORCESTER COMM HOUSING RESOURCE INC, founded in 1988, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2025. Expenses of $3.2M left a modest 13% surplus.

Mission

Worcester Community Housing Resources' mission is to help create and preserve affordable housing and to initiate and support neighborhood revitalization in the greater Worcester area. Since 1994 we have proven ourselves to be a successful organization that meets its mission by development of our own projects and utilizing our Loan Fund to help meet the financial needs of other affordable housing developers. Our services are targeted to low and moderate income individuals in the great Worcester area.

Program Service Accomplishments

Program 1

Expenses: $3,073,411 Revenue: $2,618,191

TO PROVIDE HOUSING FOR LOW INCOME INDIVIDUALS AND FAMILIES AND TO LOCATE, PURCHASE, RENOVATE AND RESELL NEGLECTED PROPERTIES IN LOW INCOME NEIGHBORHOODS

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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 (2025)

Revenue Breakdown

Contributions & Grants $479,764

Program Service Revenue $2,618,191

Investment Income $562,725

Other Revenue $0

TOTAL REVENUE $3,660,680

Expense Breakdown

Grants Paid $0

Salaries & Benefits $910,820

Fundraising Expenses $0

Program Expenses $3,073,411

Other Expenses $2,290,262

TOTAL EXPENSES $3,201,082

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,660,680	$3,457,345	+0.1%
Expenses	$3,201,082	$3,541,950	-0.1%
Net Income	$459,598	$-84,605	-6.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N PAUL TONTHAT	EXECUTIVE DIRECTOR	37.50		$171,346	$13,877	$185,223
ANDREW HOWARTH	DIRECTOR OF DEVEL.	37.50		$127,386	$27,184	$154,570
SUSAN ROBERTSON	FIN & ADMIN MGR	37.50		$100,731	$17,540	$118,271
MAUREEN SCHWAB	Director	1.00	Director	$0	$0	$0
JENNIFER RUTKAUSKI MARBLE	Director	1.00	Director	$0	$0	$0
JAMES HAYES	President	1.00	Officer Director	$0	$0	$0
ELIZABETH SANNING	Vice President	1.00	Officer Director	$0	$0	$0
LYDIA VAZQUEZ	Director	1.00	Director	$0	$0	$0
MICHAEL JACOBS	Director	1.00	Director	$0	$0	$0
CALEB COOK	Director	1.00	Officer Director	$0	$0	$0
KENNETH MUDIE	Director	1.00	Director	$0	$0	$0
JANE LORANGER	Treasurer	1.00	Officer Director	$0	$0	$0
KEITH NISBET	Director	1.00	Director	$0	$0	$0
DEBRA BOLZ	Director	1.00	Director	$0	$0	$0
INDREK BUTTNER	Director	1.00	Director	$0	$0	$0
DONNA WARSHAW	Director	1.00	Director	$0	$0	$0
GEORGE COX	Director	1.00	Director	$0	$0	$0
MICHAEL COMISKEY	Secretary	1.00	Officer 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	$3,660,680	$3,201,082	$29,848,170	$459,598
2024	$3,457,345	$3,541,950	$26,010,107	$-84,605
2023	$4,245,225	$2,872,692	$25,920,232	$1,372,533
2022	$1,872,287	$2,293,271	$24,267,608	$-420,984
2021	$2,233,936	$1,892,514	$25,013,732	$341,422
2020	$2,075,356	$2,050,858	$25,637,653	$24,498
2019	$1,859,772	$2,455,407	$26,528,608	$-595,635
2018	$1,929,345	$1,722,141	$27,015,023	$207,204