BRIDGEWELL MERRIMAC HOUSING CORPORATION (EIN 743248920) - 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

2008

Legal Domicile

Principal Officer

CHISTOPHER TUTTLE

Phone

3398832115

Tax Period

2024-07-01 to 2025-06-30

BRIDGEWELL MERRIMAC HOUSING CORPORATION, founded in 2008, is a micro nonprofit in the Housing & Shelter sector that reported $53K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $84K exceeded revenue, resulting in a 59% operating deficit.

Mission

LOW INCOME HOUSING FOR THE HANDICAPPED.

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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 $25,271

Program Service Revenue $27,359

Investment Income $3

Other Revenue $0

TOTAL REVENUE $52,633

Expense Breakdown

Grants Paid $0

Salaries & Benefits $260

Fundraising Expenses $0

Program Expenses $74,552

Other Expenses $83,273

TOTAL EXPENSES $83,533

Year-over-Year Comparison

	2024	2023	Change
Revenue	$52,633	$48,512	+0.1%
Expenses	$83,533	$81,766	+0.0%
Net Income	$-30,900	$-33,254	-0.1%

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

$911,339

Total Directors

$105,458

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTIN AMOS-GUIDO	CLERK	0.20	Officer Director	$0	$32,579	$105,458
JANE PUFFER	VICE CHAIR (ALSO SUB DIRECTOR)	0.20	Director	$0	$0	$0
CHRISTOPHER TUTTLE	CEO	0.20	Officer	$0	$29,743	$337,647
KENNETH HALKIN	CHIEF FINANCIAL OFFICER (UNTIL 12/24)	0.20	Officer	$0	$32,883	$248,992
ELAINE WHITE	CHIEF OPERATIONAL OFFICER	0.20	Officer	$0	$32,906	$219,242
LEANNA FLEMING	CHIEF FINANCIAL OFFICER (AS OF 1/25)	0.20	Officer	$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	$52,633	$83,533	$581,087	$-30,900
2024	$48,512	$81,766	$609,105	$-33,254
2023	$48,482	$71,596	$646,096	$-23,114
2022	$48,483	$71,046	$670,624	$-22,563
2021	$51,097	$68,574	$693,032	$-17,477
2020	$47,973	$65,952	$712,688	$-17,979
2019	$45,586	$66,929	$727,791	$-21,343
2018	$39,543	$63,591	$732,021	$-24,048

BRIDGEWELL MERRIMAC HOUSING CORPORATION