JERSEY COUNSELLING & HOUSING DEVELOPMENT INC (EIN 237450324) - 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

1967

Legal Domicile

Principal Officer

DORIS ADAMS

Phone

8565411000

Tax Period

2024-05-01 to 2025-04-30

JERSEY COUNSELLING & HOUSING DEVELOPMENT INC, founded in 1967, is a small nonprofit in the Housing & Shelter sector that reported $428K in total revenue in fiscal year 2024. Expenses of $367K left a modest 14% surplus.

Mission

AFFORDABLE HOUSING DEVELOPMENT, RENTAL AND HOUSING AND MORTGAGE COUNSELING.

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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 $0

Program Service Revenue $428,000

Investment Income $0

Other Revenue $233

TOTAL REVENUE $428,233

Expense Breakdown

Grants Paid $0

Salaries & Benefits $274,713

Fundraising Expenses $0

Program Expenses $299,015

Other Expenses $92,401

TOTAL EXPENSES $367,114

Year-over-Year Comparison

	2024	2023	Change
Revenue	$428,233	$450,000	0.0%
Expenses	$367,114	$403,694	-0.1%
Net Income	$61,119	$46,306	+0.3%

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

$155,910

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DORIS ADAMS	EXECUTIVE DI	30.00	Officer	$78,832	$8,236	$87,068
FRANK DIVENANZO	FORMER EXEC	30.00	Officer	$63,317	$5,525	$68,842
EDWARD BURT	TREASURER	1.00	Officer Director	$0	$0	$0
JOHN GILLIAMS	PRESIDENT	1.00	Officer Director	$0	$0	$0
NICK PASCALE	SECRETARY	1.00	Officer Director	$0	$0	$0
CLARA ROBINSON	MEMBER	1.00	Director	$0	$0	$0
MARGARITA RODRIQUEZ	MEMBER	1.00	Director	$0	$0	$0
LEATHEA WRIGHT	MEMBER	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
2025	$428,233	$367,114	$129,495	$61,119
2023	$444,665	$478,332	$101,823	$-33,667
2022	$440,233	$398,855	$85,947	$41,378
2021	$498,017	$605,041	$77,067	$-107,024
2020	$455,337	$433,503	$173,697	$21,834

JERSEY COUNSELLING & HOUSING DEVELOPMENT INC