HOME TOGETHER COMMUNITY HOUSING CO… - Form 990 Financial Data

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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

2011

Legal Domicile

Principal Officer

PEGGY HEGARTY-STECK

Phone

9782821000

Tax Period

2024-10-01 to 2025-09-30

HOME TOGETHER COMMUNITY HOUSING CORPORATION, founded in 2011, is a small nonprofit in the Housing & Shelter sector that reported $171K in total revenue in fiscal year 2024. Revenue surged 152% from the prior year, signaling strong growth momentum. Expenses of $212K exceeded revenue, resulting in a 24% operating deficit.

Mission

THE ORGANIZATION'S CHARITABLE PURPOSE IS TO PROVIDE HOMELESS AND OTHER LOW-INCOME FAMILIES WITH DECENT AND AFFORDABLE FACILITIES AND SERVICES DESIGNED TO MEET THEIR, PHYSICAL, SOCIAL AND PSYCHOLOGICAL NEEDS.

Program Service Accomplishments

Program 1

Expenses: $212,390 Revenue: $171,275

HOUSING FOR HOMELESS AND LOW-INCOME FAMILIES AT MARSH STREET IN GLOUCESTER, MA.

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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 $23,895

Investment Income $0

Other Revenue $147,380

TOTAL REVENUE $171,275

Expense Breakdown

Grants Paid $0

Salaries & Benefits $22,508

Fundraising Expenses $0

Program Expenses $212,390

Other Expenses $189,882

TOTAL EXPENSES $212,390

Year-over-Year Comparison

	2024	2023	Change
Revenue	$171,275	$68,062	+1.5%
Expenses	$212,390	$137,287	+0.5%
Net Income	$-41,115	$-69,225	-0.4%

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

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

$396,923

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL BOONE	TREASURER	3.00	Officer Director	$0	$0	$0
MARGARET DRISCOLL	VICE-CHAIR	3.00	Officer Director	$0	$0	$0
SALLY BERKOWITZ	CHAIR	3.00	Officer Director	$0	$0	$0
JENNIFER ORLANDO	SECRETARY	3.00	Officer Director	$0	$0	$0
PEGGY HEGARTY-STECK	CHIEF EXECUTIVE OFFICER AC	1.00	Officer	$0	$1,151	$227,067
JILLIAN CLUETT	CFO OF ACTION INC	1.00	Officer	$0	$15,292	$169,856

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	$171,275	$212,390	$1,389,388	$-41,115
2024	$68,062	$137,287	$1,327,692	$-69,225
2023	$56,280	$100,575	$1,314,929	$-44,295
2022	$61,379	$119,307	$1,339,813	$-57,928
2021	$59,680	$103,336	$1,429,028	$-43,656
2020	$52,791	$89,168	$1,401,469	$-36,377
2019	$58,373	$77,505	$1,379,688	$-19,132
2018	$63,533	$84,334	$1,475,887	$-20,801

HOME TOGETHER COMMUNITY HOUSING CORPORATION