CAMBRIDGE COMMUNITY HOUSING DEVELOPMENT INC (EIN 223345968) - 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

1985

Legal Domicile

Principal Officer

SARA BARCAN

Phone

6178684858

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE COMMUNITY HOUSING DEVELOPMENT INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $9.9M in total revenue in fiscal year 2024. Expenses of $11.2M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO DEVELOP AND MAINTAIN AFFORDABLE HOUSING IN CAMBRIDGE.

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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 $27,669

Program Service Revenue $8,825,197

Investment Income $1,004,061

Other Revenue $36,736

TOTAL REVENUE $9,893,663

Expense Breakdown

Grants Paid $0

Salaries & Benefits $825,466

Fundraising Expenses $0

Program Expenses $11,171,343

Other Expenses $10,349,095

TOTAL EXPENSES $11,174,561

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,893,663	$9,333,823	+0.1%
Expenses	$11,174,561	$10,560,372	+0.1%
Net Income	$-1,280,898	$-1,226,549	+0.0%

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

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

$276,438

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LOUISE ELVING	PRESIDENT	0.50	Officer Director	$0	$0	$0
GEORGE BEAL	TREASURER	0.50	Officer Director	$0	$0	$0
JOHN HIXSON	CLERK	0.50	Officer Director	$0	$0	$0
VINCENT O'DONNELL	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
TIMOTHY BOMBARD	DIRECTOR	0.50	Director	$0	$0	$0
DELFINE MASONGO	DIRECTOR	0.50	Director	$0	$0	$0
SARA BARCAN	EXECUTIVE DIRECTOR	4.00	Director	$0	$40,149	$276,438
SUSAN RICHARDS	DIRECTOR	0.50	Director	$0	$0	$0
KATE GILMORE	DIRECTOR OF REAL ESTATE	4.00	Highest	$0	$23,262	$156,608
HIEN BURNHAM	CONTROLLER	4.00	Highest	$0	$40,149	$182,995
LEE DEPIETRO	DIRECTOR OF ASSET MANAGEMENT	4.00	Highest	$0	$12,684	$164,820
SUSAN TWOMEY	DIRECTOR OF CONSTRUCTION A	4.00	Highest	$0	$19,712	$164,716
WILL MONSON	SENIOR PROJECT MANAGER	4.00	Highest	$0	$19,097	$150,461

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	$9,893,663	$11,174,561	$61,818,270	$-1,280,898
2024	$9,333,823	$10,560,372	$60,517,209	$-1,226,549
2023	$7,961,649	$9,999,795	$58,414,663	$-2,038,146
2022	$7,704,327	$9,768,053	$56,982,552	$-2,063,726
2021	$7,455,548	$9,132,505	$55,517,414	$-1,676,957
2020	$7,145,171	$8,673,350	$54,272,109	$-1,528,179
2019	$6,769,329	$8,426,538	$53,016,710	$-1,657,209
2018	$6,293,588	$8,068,629	$53,593,301	$-1,775,041

CAMBRIDGE COMMUNITY HOUSING DEVELOPMENT INC