FS HOME OWNERS FOUNDATION INC

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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

2022

Legal Domicile

Principal Officer

TRACEY LUNENBURG

Phone

8609201000

Tax Period

2024-02-01 to 2025-01-31

FS HOME OWNERS FOUNDATION INC, founded in 2022, is a micro nonprofit in the International Affairs sector that reported $67K in total revenue in fiscal year 2024. Revenue fell 55% from the prior year — a significant decline worth monitoring. Expenses of $236K exceeded revenue, resulting in a 251% operating deficit.

Mission

TO DEVELOP AND IMPLEMENT AN EMERGENCY RESPONSE PROGRAM FOR THE ISLAND OF NEVIS TO SERVE LOCALS AND VISITORS

Program Service Accomplishments

Program 1

Expenses: $220,625

911 EMERGENCY DISPATCH CENTER EQUIPMENT SET-UP, STAFFING AND TRAINING. 911 EMERGENCY CENTER IS OPERATIONAL AS OF AUGUST 2025.

Program 2

Expenses: $9,000

GRANT TO CHARLESTOWN PRIMARY SCHOOL TO FUND SCHOOL LUNCH PROGRAM

Program 3

Expenses: $3,300

LUNCHES FOR EMERGENCY FIRST RESPONDERS

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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 $51,184

Program Service Revenue $0

Investment Income $15,928

Other Revenue $0

TOTAL REVENUE $67,112

Expense Breakdown

Grants Paid $9,500

Salaries & Benefits $1,200

Fundraising Expenses $0

Program Expenses $232,925

Other Expenses $224,945

TOTAL EXPENSES $235,645

Year-over-Year Comparison

	2024	2023	Change
Revenue	$67,112	$149,575	-0.6%
Expenses	$235,645	$119,224	+1.0%
Net Income	$-168,533	$30,351	-6.6%

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

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

$1,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNDI WILSON	SECRETARYTREASURER	3.00	Officer	$0	$0	$1,200
TRACEY LUNENBURG	PRESIDENTDIRECTOR	20.00	Director	$0	$0	$0
ANN HIGHLEY-GERGEL	DIRECTOR	20.00	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	$67,112	$235,645	$271,482	$-168,533
2024	$149,575	$119,224	$453,547	$30,351
2023	$412,348	$650	$411,348	$411,698