MASSACHUSETTS FAIR HOUSING CENTER INC (EIN 223043308) - 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

1989

Legal Domicile

Principal Officer

ELLEN PADER

Phone

4135399796

Tax Period

2025-01-01 to 2025-12-31

MASSACHUSETTS FAIR HOUSING CENTER INC, founded in 1989, is a small nonprofit in the Housing & Shelter sector that reported $888K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $802K left a modest 10% surplus.

Mission

MFHC IS COMMITTED TO ENDING SYSTEMIC HOUSING DISCRIMINATION AND CREATING INCLUSIVE COMMUNITIES THROUGH EDUCATION, OUTREACH, ADVOCACY, HOUSING COUNSELING AND ENFORCEMENT.

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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 $838,890

Program Service Revenue $48,340

Investment Income $288

Other Revenue $547

TOTAL REVENUE $888,065

Expense Breakdown

Grants Paid $0

Salaries & Benefits $592,568

Fundraising Expenses $21,197

Program Expenses $625,926

Other Expenses $209,537

TOTAL EXPENSES $802,105

Year-over-Year Comparison

	2025	2024	Change
Revenue	$888,065	$761,657	+0.2%
Expenses	$802,105	$691,411	+0.2%
Net Income	$85,960	$70,246	+0.2%

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

$123,977

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELLEN PADER	CO-PRESIDENT	4.00	Officer Director	$0	$0	$0
TRISH SMITH	CO-PRESIDENT	4.00	Officer Director	$0	$0	$0
HARRIS FREEMAN	TREASURER	4.00	Officer Director	$0	$0	$0
JACOB CARTER	CLERK	4.00	Officer Director	$0	$0	$0
BAILEY CUMMINGS	BOARD MEMBER	4.00	Director	$0	$0	$0
DONNETTE JONES	BOARD MEMBER	4.00	Director	$0	$0	$0
KATIE TALBOT	BOARD MEMBER	4.00	Director	$0	$0	$0
SARA SAM-NJOGU	BOARD MEMBER	4.00	Director	$0	$0	$0
MAUREEN ST CYR	EXECUTIVE DIRECTOR	35.00	Officer	$118,567	$5,410	$123,977

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	$888,065	$802,105	$600,615	$85,960
2024	No data	No data	No data	No data
2023	$647,075	$565,071	$395,892	$82,004
2022	$571,866	$644,283	$314,119	$-72,417
2021	$586,131	$582,324	$415,286	$3,807
2020	$395,049	$420,083	$393,927	$-25,034
2019	$399,734	$433,982	$387,993	$-34,248
2018	$408,063	$394,921	$413,955	$13,142

MASSACHUSETTS FAIR HOUSING CENTER INC