Gloucester County Habitat for Huma… - 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

1973

Legal Domicile

Phone

8562569400

Tax Period

2024-07-01 to 2025-06-30

Gloucester County Habitat for Humanity Inc, founded in 1973, is a small nonprofit that reported $637K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $847K exceeded revenue, resulting in a 33% operating deficit.

Mission

Provide home ownership opportunities to partner families in a way that is a hand up not a hand out.

Program Service Accomplishments

Program 1

Expenses: $558,329

Provide affordable housing for low to moderate income families. One home was sold during the year along with the completion of several neighborhood redevelopment projects. We also commenced...

Provide affordable housing for low to moderate income families. One home was sold during the year along with the completion of several neighborhood redevelopment projects. We also commenced construction on several other homes for sale in the future.

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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 $133,562

Program Service Revenue $287,358

Investment Income $7,742

Other Revenue $208,045

TOTAL REVENUE $636,707

Expense Breakdown

Grants Paid $0

Salaries & Benefits $309,626

Fundraising Expenses $122,867

Program Expenses $558,329

Other Expenses $537,518

TOTAL EXPENSES $847,144

Year-over-Year Comparison

	2024	2023	Change
Revenue	$636,707	$1,046,909	-0.4%
Expenses	$847,144	$1,018,205	-0.2%
Net Income	$-210,437	$28,704	-8.3%

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

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
Ashley Griffiths	Executive Director	40.00		$61,662	$0	$61,662
Mary Arthur	Executive Director	40.00		$21,769	$0	$21,769
Ashley Griffiths	Consultant	4.00		$1,248	$0	$1,248
Michael Dinneen	Director	1.00	Director	$0	$0	$0
Tara Gallagher	Secretary	3.00	Officer Director	$0	$0	$0
Dick Woodward	Vice President	3.00	Officer Director	$0	$0	$0
Dan Paradis	Director	1.00	Director	$0	$0	$0
Megan Varrell	Director	1.00	Director	$0	$0	$0
Catherine Allen-Carlozo	Director	1.00	Director	$0	$0	$0
Ronda Abbruzzese	President	5.00	Officer Director	$0	$0	$0
Tim Golden	Treasurer	5.00	Officer Director	$0	$0	$0
Joseph Brigandi	Director	1.00	Director	$0	$0	$0
Tim Jennings	Director	1.00	Director	$0	$0	$0
Matthew Mazza	Director	1.00	Director	$0	$0	$0
Jim Jefferson	Director	1.00	Director	$0	$0	$0
Loretta Winters	Director	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	$636,707	$847,144	$1,091,591	$-210,437
2024	$1,046,909	$1,018,205	$1,360,225	$28,704
2023	$764,505	$764,847	$1,389,099	$-342
2022	$775,462	$981,909	$1,386,526	$-206,447
2021	$1,041,559	$1,047,630	$1,560,500	$-6,071
2020	$843,274	$774,494	$1,799,376	$68,780
2019	$693,155	$462,380	$1,656,992	$230,775

Gloucester County Habitat for Humanity Inc