Cheshire Housing Trust Inc
Cheshire Housing Trust Inc. consistently operates with deficits, drawing down assets while maintaining 0% officer compensation.
EIN: 20418158 · Keene, NH · NTEE: L20Z · Updated: 2026-03-28
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Cheshire Housing Trust Inc is mapped to EIN 20418158.
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9 stored filing years available.
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| Metric | Value |
|---|---|
| Total Revenue | $536K |
| Total Expenses | $612K |
| Program Spending | 85% |
| CEO/Top Officer Pay | $500,000 |
| Net Assets | $2.1M |
| Transparency Score | 85/100 |
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Cheshire Housing Trust Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals
Cheshire Housing Trust Inc is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Cheshire Housing Trust Inc in one place.
Form 990 Filing Summary
9 filing years are available, with latest revenue of $555K and expenses of $612K.
Revenue and Expenses
Cheshire Housing Trust Inc reported $555K in revenue and $612K in expenses, a deficit of $57K.
Executive Compensation
Top officer compensation appears as $500,000 in the stored analysis, with context against revenue and expenses below.
Charity Score and Red Flags
85/100 mission score, 2 red flags, and 3 strengths are shown from structured and AI review.
Is Cheshire Housing Trust Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
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Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $520K (85%) |
Across stored filings, Cheshire Housing Trust Inc shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 85% to programs | Excellent |
| Financial durability | Grade B | 9 stored filing years |
| Peer context | Compare with Hellenic Society Paideia Of New Hampshire | New Hampshire and Category L context |
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Keene, NH nonprofitsCategory L in New Hampshire
Human Services in New Hampshire
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Cheshire Housing Trust Inc directs 85% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Cheshire Housing Trust Inc
Cheshire Housing Trust Inc (EIN: 20418158) is a nonprofit organization based in Keene, NH, classified under NTEE code L20Z. The organization reported total revenue of $536K and total assets of $2.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Cheshire Housing Trust Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Cheshire Housing Trust Inc is a small nonprofit that has been operating for 37 years, with 9 years of IRS 990 filings on record (2011–2019). Revenue has grown at a compound annual rate of -3.2%.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
| Total Revenue | $555K |
| Total Expenses | $612K |
| Surplus / Deficit | $-57,363 |
| Total Assets | $2.6M |
| Total Liabilities | $485K |
| Net Assets | $2.1M |
| Operating Margin | -10.3% |
| Debt-to-Asset Ratio | 18.6% |
| Months of Reserves | 51.2 months |
Financial Health Grade: B
In 2019, Cheshire Housing Trust Inc reported a deficit of $57K with expenses exceeding revenue, holds 51.2 months of operating reserves (strong position), has a debt-to-asset ratio of 18.6% (very low leverage).
Financial Trends
Over 9 years of filings (2011–2019), Cheshire Housing Trust Inc's revenue has declined at a compound annual growth rate (CAGR) of -3.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2019 | +1.6% | +4.8% | -2.5% |
| 2018 | +7.4% | -3.4% | -2.5% |
| 2017 | -5.9% | -0.5% | -4.4% |
| 2016 | -27.5% | +1.2% | -3.5% |
| 2015 | +41.2% | +1.9% | +3.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1989 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Cheshire Housing Trust Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 85%
- fundraising: 5%
According to IRS 990 filings, Cheshire Housing Trust Inc allocates its expenses as follows: admin: 10%, programs: 85%, fundraising: 5%. With 85% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $57K, with expenses exceeding revenue.
- Debt-to-asset ratio: 18.6%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no officers received compensation from the organization. This is highly unusual for an organization of its size with over $500,000 in annual revenue and suggests a volunteer-driven leadership or that compensation is reported under other categories, though the former is more likely given the consistent reporting.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Cheshire Housing Trust Inc's IRS 990 filings:
- Consistent operating deficits (expenses exceeding revenue) from 2014-2019.
- Declining asset base over the past decade, from nearly $3 million to $2.3 million.
Strengths
The following positive indicators were identified for Cheshire Housing Trust Inc:
- Consistent reporting of 0% officer compensation, indicating high dedication to mission.
- Maintains a substantial asset base ($2,375,643) despite operating deficits, providing a buffer.
- NTEE code L20Z (Housing Development, Construction & Management) suggests a focused mission.
Frequently Asked Questions about Cheshire Housing Trust Inc
Is Cheshire Housing Trust Inc a legitimate charity?
Cheshire Housing Trust Inc (EIN: 20418158) is a registered tax-exempt nonprofit based in New Hampshire. Our AI analysis gives it a Mission Score of 85/100. It has 9 years of IRS 990 filings on record. Total revenue: $536K. 2 red flags identified. 3 strengths noted. Financial health grade: B.
How does Cheshire Housing Trust Inc spend its money?
Cheshire Housing Trust Inc directs 85% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Cheshire Housing Trust Inc tax-deductible?
Cheshire Housing Trust Inc is registered as a tax-exempt nonprofit (EIN: 20418158). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Cheshire Housing Trust Inc CEO make?
Cheshire Housing Trust Inc's highest-compensated officer earns $500,000 annually. The organization reported $536K in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of Cheshire Housing Trust Inc's spending goes to programs?
Cheshire Housing Trust Inc directs 85% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does Cheshire Housing Trust Inc compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), Cheshire Housing Trust Inc is above average for NTEE category L20Z nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is Cheshire Housing Trust Inc located?
Cheshire Housing Trust Inc is headquartered in Keene, New Hampshire and files with the IRS under EIN 20418158. It is classified under NTEE code L20Z.
How many years of IRS 990 filings does Cheshire Housing Trust Inc have?
Cheshire Housing Trust Inc has 9 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $536K in total revenue.
Is Cheshire Housing Trust Inc. financially sustainable given its consistent operating deficits?
The organization has consistently reported expenses exceeding revenues from 2014 to 2019, leading to operating deficits. While it has a substantial asset base (currently $2,375,643), these deficits have contributed to a decline in assets over time (from $2,944,591 in 2011). Long-term sustainability will depend on reversing this trend or securing additional funding sources.
How does the 0% officer compensation impact the organization's operations?
The consistent reporting of 0% officer compensation suggests a highly volunteer-driven leadership or that key personnel are compensated through other means not classified as officer compensation. While this can be a sign of efficiency and dedication, it might also raise questions about the capacity for full-time, professional management required for an organization of this scale.
What is the trend in the organization's assets and liabilities?
Assets have shown a declining trend from a peak of $2,987,149 in 2013 to $2,375,643 currently. Liabilities have also generally decreased from $728,125 in 2011 to $485,191 in 2019, which is a positive sign, but the asset decline is more significant.
Filing History
IRS 990 filing history for Cheshire Housing Trust Inc showing financial trends over 9 years of public records:
Over 9 years of IRS 990 filings (2011–2019), Cheshire Housing Trust Inc's revenue has declined by 23%, moving from $721K to $555K. Total assets decreased by 11.3% over the same period, from $2.9M to $2.6M. Total functional expenses rose by 9.3%, from $560K to $612K. In its most recent filing year (2019), Cheshire Housing Trust Inc reported a deficit of $57K, with expenses exceeding revenue. The organization holds $485K in liabilities against $2.6M in assets (debt-to-asset ratio: 18.6%), resulting in net assets of $2.1M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2019 | $555K | $612K | $2.6M | $485K | — | View 990 |
| 2018 | $546K | $584K | $2.7M | $495K | — | View 990 |
| 2017 | $509K | $605K | $2.7M | $526K | — | View 990 |
| 2016 | $541K | $608K | $2.9M | $556K | — | View 990 |
| 2015 | $746K | $600K | $3.0M | $593K | — | View 990 |
| 2014 | $528K | $589K | $2.9M | $632K | — | View 990 |
| 2013 | $599K | $557K | $3.0M | $662K | — | View 990 |
| 2012 | $588K | $522K | $3.0M | $699K | — | View 990 |
| 2011 | $721K | $560K | $2.9M | $728K | — | View 990 |
Year-by-Year Financial Summary
- 2019: Revenue of $555K, expenses of $612K, and assets of $2.6M (revenue +1.6% year-over-year).
- 2018: Revenue of $546K, expenses of $584K, and assets of $2.7M (revenue +7.4% year-over-year).
- 2017: Revenue of $509K, expenses of $605K, and assets of $2.7M (revenue -5.9% year-over-year).
- 2016: Revenue of $541K, expenses of $608K, and assets of $2.9M (revenue -27.5% year-over-year).
- 2015: Revenue of $746K, expenses of $600K, and assets of $3.0M (revenue +41.2% year-over-year).
- 2014: Revenue of $528K, expenses of $589K, and assets of $2.9M (revenue -11.8% year-over-year).
- 2013: Revenue of $599K, expenses of $557K, and assets of $3.0M (revenue +2.0% year-over-year).
- 2012: Revenue of $588K, expenses of $522K, and assets of $3.0M (revenue -18.5% year-over-year).
- 2011: Revenue of $721K, expenses of $560K, and assets of $2.9M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Cheshire Housing Trust Inc:
Data Sources and Methodology
This transparency report for Cheshire Housing Trust Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.