HEARTHSTONE HOUSING LTD (EIN 391694895) - 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

BRETT GERBER

Phone

7154341717

Tax Period

2024-01-01 to 2024-12-31

HEARTHSTONE HOUSING LTD, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $179K in total revenue in fiscal year 2024. Expenses of $204K exceeded revenue, resulting in a 14% operating deficit.

Mission

HANDICAPPED HOUSING

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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 $178,706

Investment Income $151

Other Revenue $0

TOTAL REVENUE $178,857

Expense Breakdown

Grants Paid $0

Salaries & Benefits $58,945

Fundraising Expenses $0

Program Expenses $159,897

Other Expenses $145,043

TOTAL EXPENSES $203,988

Year-over-Year Comparison

	2024	2023	Change
Revenue	$178,857	$168,728	+0.1%
Expenses	$203,988	$184,735	+0.1%
Net Income	$-25,131	$-16,007	+0.6%

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

$824,532

Total Directors

$979,089

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRETT GERBER	PRESIDENT/CEO	1.00	Officer Director	$0	$139,859	$673,379
TERRA PAWLIUK-MCGIFFIN	SECRETARY/TREASURER	1.00	Officer Director	$0	$38,272	$151,153
CAROLINE LOYAS	DIRECTOR	1.00	Director	$0	$30,527	$154,557

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
2024	$178,857	$203,988	$453,404	$-25,131
2023	$168,728	$184,735	$481,238	$-16,007
2022	$155,362	$178,037	$507,728	$-22,675
2021	$166,399	$182,962	$563,681	$-16,563
2020	$155,575	$167,766	$566,959	$-12,191
2019	$141,511	$181,148	$586,465	$-39,637
2018	$134,334	$146,095	$637,517	$-11,761

HEARTHSTONE HOUSING LTD