TEWKSBURY HABITAT BUILD (EIN 471899341) - 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

2015

Legal Domicile

Principal Officer

Bruce Panilaitis

Phone

9787109494

Tax Period

2022-07-01 to 2023-06-30

TEWKSBURY HABITAT BUILD, founded in 2015, is a micro nonprofit in the Housing & Shelter sector that reported $15K in total revenue in fiscal year 2022. Revenue fell 94% from the prior year — a significant decline worth monitoring. Net assets of $511K represent 411 months of operating reserves.

Mission

Tewksbury Home Build is a 501(c)3 public charity committed to improving the access to affordable housing in the Town of Tewksbury.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $14,930

TOTAL REVENUE $14,930

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $14,525

Other Expenses $16,305

TOTAL EXPENSES $16,305

Year-over-Year Comparison

	2022	2021	Change
Revenue	$14,930	$264,718	-0.9%
Expenses	$16,305	$57,101	-0.7%
Net Income	$-1,375	$207,617	-1.0%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard Hamm	Vice President	3	Officer Director	$0	$0	$0
Vincent Fratalia	Board of Directors Member	2	Director	$0	$0	$0
Susan Panilaitis	Board of Directors Member	2	Officer Director	$0	$0	$0
Bruce Panilaitis	President & Director	5	Officer Director	$0	$0	$0
James Kenney	Treasurer	3	Officer Director	$0	$0	$0
John Stadtman	Clerk	3	Officer 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
2023	$14,930	$16,305	$510,836	$-1,375
2022	$264,718	$57,101	$506,811	$207,617
2021	$19,737	$16,976	$569,254	$2,761

TEWKSBURY HABITAT BUILD