RARITAN VALLEY HABITAT FOR HUMANITY INC (EIN 223126027) - 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

1992

Legal Domicile

Principal Officer

DAVID CHECCHIO

Phone

9087040016

Tax Period

2024-07-01 to 2025-06-30

RARITAN VALLEY HABITAT FOR HUMANITY INC, founded in 1992, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $1.9M left a modest 8% surplus.

Mission

TO BUILD AFFORDABLE HOUSING IN HUNTERDON AND SOMERSET COUNTIES, NEW JERSEY.

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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 $1,047,479

Program Service Revenue $961,052

Investment Income $72,346

Other Revenue $1,684

TOTAL REVENUE $2,082,561

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,110,332

Fundraising Expenses $106,125

Program Expenses $1,476,186

Other Expenses $805,976

TOTAL EXPENSES $1,916,308

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,082,561	$2,916,085	-0.3%
Expenses	$1,916,308	$3,855,411	-0.5%
Net Income	$166,253	$-939,326	-1.2%

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

603

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

$148,643

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID CHECCHIO	PRESIDENT	5.00	Officer Director	$0	$0	$0
RENEE CASEY	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JEREMY GREENMAN	TREASURER	2.00	Officer Director	$0	$0	$0
ELLEN MICHELLE HARRIS	SECRETARY	2.00	Officer Director	$0	$0	$0
LISA BORROMEO CHECCHIO	BOARD MEMBER	2.00	Director	$0	$0	$0
CARLA DAVID	BOARD MEMBER	2.00	Director	$0	$0	$0
SONDRA LEIBNER	BOARD MEMBER	2.00	Director	$0	$0	$0
VERA MCAVOY	BOARD MEMBER	2.00	Director	$0	$0	$0
JIM DONOVAN	BOARD MEMBER	2.00	Director	$0	$0	$0
URSULA SANJAMINO ED D	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHAEL SCRIBNER	BOARD MEMBER	2.00	Director	$0	$0	$0
NEIL VIOTTO	BOARD MEMBER	2.00	Director	$0	$0	$0
MELISSA FLYNN	EXECUTIVE DIRECTOR	40.00	Officer	$86,117	$0	$86,117
JESSICA ABBOTT	EXECUTIVE DIRECTOR	40.00	Officer	$62,526	$0	$62,526

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	$2,082,561	$1,916,308	$3,358,761	$166,253
2024	$2,916,085	$3,855,411	$2,823,419	$-939,326
2023	$1,826,402	$1,825,119	$3,961,332	$1,283
2022	$1,990,046	$1,967,926	$3,183,578	$22,120
2021	$1,505,774	$1,203,405	$3,309,342	$302,369
2020	$1,595,217	$1,194,037	$3,047,449	$401,180
2019	$1,060,012	$1,438,659	$2,563,327	$-378,647
2018	$751,458	$439,957	$2,947,484	$311,501

RARITAN VALLEY HABITAT FOR HUMANITY INC