STOW COMMUNITY HOUSING CORPORATION (EIN 222976670) - 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

1987

Legal Domicile

Principal Officer

VICTORIA BLAKE

Phone

9788974404

Tax Period

2023-01-01 to 2023-12-31

STOW COMMUNITY HOUSING CORPORATION, founded in 1987, is a micro nonprofit in the Housing & Shelter sector that reported $87K in total revenue in fiscal year 2023. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $72K, a strong 83% operating margin.

Mission

TO PROVIDE LOW-INCOME HOUSING.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $80,193

Investment Income $6,758

Other Revenue $0

TOTAL REVENUE $86,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $14,639

TOTAL EXPENSES $14,639

Year-over-Year Comparison

	2023	2022	Change
Revenue	$86,951	$48,207	+0.8%
Expenses	$14,639	$12,157	+0.2%
Net Income	$72,312	$36,050	+1.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTORIA M BLAKE	PRESIDENT/CLERK	1.00	Officer Director	$0	$0	$0
LEE COOPRIDER	TREASURER	1.00	Officer Director	$0	$0	$0
BRUCE FLETCHER	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH WOODS	DIRECTOR	1.00	Director	$0	$0	$0
ELLEN CATALDO	DIRECTOR	1.00	Director	$0	$0	$0
JEFFERY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
KAREN KELLEHER	DIRECTOR	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	No data	No data	No data	No data
2023	$86,951	$14,639	$5,686,992	$72,312
2022	$48,207	$12,157	$5,606,162	$36,050
2021	$77,524	$9,024	$5,569,882	$68,500
2020	$140,427	$4,549	$5,501,257	$135,878
2019	$143,214	$12,544	$5,366,680	$130,670
2018	$158,480	$22,569	$5,236,326	$135,911

STOW COMMUNITY HOUSING CORPORATION