CONSTRUCT 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

1969

Legal Domicile

Principal Officer

PETER DUNPHY

Phone

4135281985

Tax Period

2024-07-01 to 2025-06-30

CONSTRUCT INC, founded in 1969, is a community nonprofit in the Housing & Shelter sector that reported $2.4M in total revenue in fiscal year 2024. Revenue surged 103% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.2M, a strong 50% operating margin.

Mission

AS THE LEADING NONPROFIT PROVIDER OF AFFORDABLE HOUSING AND SUPPORTIVE SERVICES IN THE SOUTHERN BERKSHIRES, CONSTRUCT EXISTS TO HELP PEOPLE IN AND OUT OF CRISIS. TO THAT END, OUR MISSION IS TO PROVIDE NEIGHBORS OF LOW AND MODERATE INCOMES WITH AFFORDABLE HOUSING SOLUTIONS THROUGH RENTAL ASSISTANCE AND RELATED SUPPORT SERVICES. WE AIM TO PROVIDE A SAFE HOMECOMING FOR ALL, A VIABLE PATH TO SECURITY, AND A FIRM FOUNDATION FROM WHICH FAMILIES CAN BEGIN TO FEEL HOPEFUL AGAIN.

Program Service Accomplishments

Program 1

Expenses: $943,761 Revenue: $409,530

PROJECT HOME COLLABORATIVE TO STABILIZE FAMILIES AND INDIVIDUALS FINANCIALLY AND IN HOUSING INCLUDES: CRISIS INTERVENTION- HOUSING COUNSELING, FINANCIAL COACHING, EMERGENCY FINANCIAL ASSISTANCE(FOOD, RENT, HEATING FUEL, UTILITY SHUT OFF, CAR REPAIRS), EMERGENCY SHELTER IN MOTELS.TRANSITIONAL HOUSING SERVICES- ADULT EDUCATION, EMPLOYMENT SERVICES, TRANSITIONAL RESIDENCE, CASE MANAGEMENT, OUTREACH, FINANCIAL COACHING, SHORT TERM RENTAL ASSISTANCE.WORK FORCE INITIATIVE- CASE MANAGEMENT, TUTORING, CAREER COUNSELING, RENTAL ASSISTANCE.

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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 $2,027,048

Program Service Revenue $76,827

Investment Income $521,062

Other Revenue $-176,380

TOTAL REVENUE $2,448,557

Expense Breakdown

Grants Paid $110,736

Salaries & Benefits $786,850

Fundraising Expenses $112,169

Program Expenses $943,761

Other Expenses $335,179

TOTAL EXPENSES $1,232,765

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,448,557	$1,207,000	+1.0%
Expenses	$1,232,765	$1,164,142	+0.1%
Net Income	$1,215,792	$42,858	+27.4%

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

$102,480

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BETTY FARBMAN	PRESIDENT	5.00	Officer Director	$0	$0	$0
PETER DUNPHY	TREASURER	5.00	Officer Director	$0	$0	$0
HINDA BODINGER	SECRETARY	3.00	Officer Director	$0	$0	$0
ADRIENNE ARNOLD	DIRECTOR	2.00	Director	$0	$0	$0
LISA BEEDE	DIRECTOR	2.00	Director	$0	$0	$0
TONY CHOJNOWSKI	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL GALLERSTEIN	DIRECTOR	2.00	Director	$0	$0	$0
JANE GLASER	DIRECTOR	2.00	Director	$0	$0	$0
JODIE GORDON	DIRECTOR	2.00	Director	$0	$0	$0
SAM HANDEL	DIRECTOR	2.00	Director	$0	$0	$0
WANDA HOUSTON	DIRECTOR	2.00	Director	$0	$0	$0
JOSH IRWIN	DIRECTOR	2.00	Director	$0	$0	$0
BARBARA MANRING	DIRECTOR	2.00	Director	$0	$0	$0
JACKIE MCNINCH	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTA MONTANO	DIRECTOR	2.00	Director	$0	$0	$0
MARK ROSENGREN	DIRECTOR	2.00	Director	$0	$0	$0
ANNE SCHNESEL	DIRECTOR	2.00	Director	$0	$0	$0
JILLIAN SCHUSTER	DIRECTOR	2.00	Director	$0	$0	$0
JANE RALPH	EXECUTIVE DIRECTOR	40.00	Officer	$98,499	$3,981	$102,480

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	$2,448,557	$1,232,765	$7,960,115	$1,215,792
2024	$1,207,000	$1,164,142	$7,001,893	$42,858
2023	$2,429,081	$892,168	$6,713,587	$1,536,913
2022	$1,017,042	$769,037	$4,014,954	$248,005
2021	$1,016,289	$824,432	$3,768,121	$191,857
2020	$1,044,508	$714,693	$3,712,935	$329,815
2019	$702,251	$523,167	$3,232,371	$179,084
2018	$611,351	$469,307	$3,089,679	$142,044