WINDHAM & WINDSOR HOUSING TRUST 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

1987

Legal Domicile

Principal Officer

ELIZABETH BRIDGEWATER

Phone

8022544604

Tax Period

2024-01-01 to 2024-12-31

WINDHAM & WINDSOR HOUSING TRUST INC, founded in 1987, is a community nonprofit in the Housing & Shelter sector that reported $7.7M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.6M, a strong 21% operating margin.

Mission

WINDHAM & WINDSOR HOUSING TRUST (WWHT)STRENGTHENS THE COMMUNITIES OF SOUTHEAST VERMONT THROUGH THE DEVELOPMENT AND STEWARDSHIP OF PERMANENTLY AFFORDABLE HOUSING AND THROUGH ONGOING SUPPORT AND ADVOCACY FOR ITS RESIDENTS.

Program Service Accomplishments

Program 1

Expenses: $2,934,586 Revenue: $29,301

LENDING: ACCOUNTS FOR ALL LENDING ACTIVITY RELATED TO THE REHAB LOAN FUND PROGRAM. IN 2024, OUR LENDING DOCUMENTATION SUCCESSFULLY PASSED ALL FEDERAL AND STATE MONITORING AND LICENSING INSPECTIONS...

LENDING: ACCOUNTS FOR ALL LENDING ACTIVITY RELATED TO THE REHAB LOAN FUND PROGRAM. IN 2024, OUR LENDING DOCUMENTATION SUCCESSFULLY PASSED ALL FEDERAL AND STATE MONITORING AND LICENSING INSPECTIONS. THE LENDING PROGRAM ALSO PROVIDES CONSTRUCTION MANAGEMENT SERVICES FOR ALL BORROWERS TO ENSURE THE SCOPE OF WORK MEETS ALL FEDERAL AND STATE REQUIREMENTS.

Program 2

Expenses: $1,551,206 Revenue: $785,238

PROPERTY MANAGEMENT: ACCOUNTS FOR ALL ACTIVITY RELATING TO LEASING AND MAINTAINING RENTAL HOUSING UNITS. IN 2024, THE DEPARTMENT SIGNED A CONTRACT TO TRANSITION TO A NEW PROPERTY MANAGEMENT SOFTWARE THAT WILL INCREASE THE EFFICIENCY OF THE DEPARTMENT OPERATIONS AND PROVIDE NEW COMMUNICATION TOOLS FOR STAFF AND TENANTS.

Program 3

Expenses: $249,857 Revenue: $81,677

HOUSING DEVELOPMENT: ACCOUNTS FOR ALL ACTIVITY RELATING TO ACQUISITION AND REHABILITATION OR CONSTRUCTION OF HOUSING UNITS. IN 2024 WWHT STARTED CONSTRUCTION ON CENTRAL & MAIN(25 UNITS) AND RECEIVED FULL FUNDING AND PERMITTING FOR ALICE HOLWAY DRIVE(25 UNITS, TO START CONSTRUCTION IN 2025). ADDITIONALLY, WWHT COMPLETED SCHEMATIC DESIGN WORK ON CHALET PHASE 1(31 UNITS), WHICH INCLUDES APPLICATIONS FOR FUNDING AND PERMITTING.

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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 $5,923,095

Program Service Revenue $1,484,753

Investment Income $255,532

Other Revenue $11,171

TOTAL REVENUE $7,674,551

Expense Breakdown

Grants Paid $2,600,138

Salaries & Benefits $2,392,717

Fundraising Expenses $121,103

Program Expenses $5,528,100

Other Expenses $1,085,367

TOTAL EXPENSES $6,078,222

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,674,551	$6,313,738	+0.2%
Expenses	$6,078,222	$4,808,926	+0.3%
Net Income	$1,596,329	$1,504,812	+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

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

$162,438

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH BRIDGEWATER	EXECUTIVE DI	40.00	Officer	$142,251	$20,187	$162,438
VICTOR MORRISON	PRESIDENT	1.00	Officer Director	$0	$0	$0
LEO SCHIFF	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
DEBBIE BOYLE	CLERK	1.00	Officer Director	$0	$0	$0
ANNE CHAPMAN	TREASURER	1.00	Director	$0	$0	$0
ELLEN SNYDER	MEMBER	1.00	Director	$0	$0	$0
DORA URUJENI	MEMBER	1.00	Director	$0	$0	$0
DAVID VANDERVERT	MEMBER	1.00	Director	$0	$0	$0
SAMBA DIALLO	MEMBER	1.00	Director	$0	$0	$0
JOAN WEIR	MEMBER	1.00	Director	$0	$0	$0
CAROL BUCHDAHL	MEMBER	1.00	Director	$0	$0	$0
CYNTHIA GUBB	MEMBER	1.00	Director	$0	$0	$0
PRUDENCE MACKINNEY	MEMBER	1.00	Director	$0	$0	$0
CHUCK COLLINS	MEMBER	1.00	Director	$0	$0	$0
DENNY FREHSEE	MEMBER	1.00	Director	$0	$0	$0
KAYENTA SNIDE	MEMBER	1.00	Director	$0	$0	$0
MARGARET CLARKUNTIL JUNE 2024	MEMBER	1.00	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
2024	$7,674,551	$6,078,222	$28,069,016	$1,596,329
2023	$6,313,738	$4,808,926	$26,446,261	$1,504,812
2022	$5,094,674	$4,070,782	$24,594,627	$1,023,892
2021	$4,615,942	$4,304,800	$23,778,694	$311,142
2020	$6,653,193	$3,252,223	$24,322,130	$3,400,970
2019	$2,693,879	$2,612,181	$19,816,127	$81,698
2018	$4,501,272	$2,595,927	$19,323,030	$1,905,345