Civic Intelligence

Habitat for Humanity Ammonoosuc Region

EIN 32-0228866 • 501(c)3 • Littleton, NH

Profile

The organization's primary mission and programs are to improve the lives of local families in need of simple affordable homes by building homes and selling them at cost and financing the sale through a non interest bearing mortgage

PO Box 46Littleton, NH 03561

www.ammonoosuchabitat.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

98th percentile

97%

Higher net margin than 98% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

60th percentile

3.0%

Faster asset growth than 60% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

14th percentile

-63%

Faster revenue growth than 14% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Up

$481,686

Up $48,494 (+11%) from 2022

Liabilities

Flat

$0

Flat from 2022

Net Assets

Up

$481,686

Up $48,494 (+11%) from 2022

Revenue

Up

$14,690

Up $13,602 (+1250%) from 2022

Expenses

Down

$496

Down $3,906 (-89%) from 2022

Net Income

Up

$14,194

Up $17,508 (+528%) from 2022

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2020: $440,142Liabilities 2020: $0Net Assets 2020: $440,1422020Assets 2022: $433,192Liabilities 2022: $0Net Assets 2022: $433,1922022Assets 2025: $481,686Liabilities 2025: $0Net Assets 2025: $481,6862025

Highlighted filing

2025

Assets$481,686
Liabilities$0
Net Assets$481,686

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20K$10K$0-$10KRevenue 2020: $1,694Expenses 2020: -$7,680Net Income 2020: $9,3742020Revenue 2022: $1,088Expenses 2022: $4,402Net Income 2022: -$3,3142022Revenue 2025: $14,690Expenses 2025: $496Net Income 2025: $14,1942025

Highlighted filing

2025

Revenue$14,690
Expenses$496
Net Income$14,194

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 5, 2025
Return Version
2024v5.2
Gross Receipts
$14,690
Mission and Program Overview

Mission

To improve the lives of local families in need of simple affordable homes by building homes and selling them at cost and financing the sale through a non interest bearing mortgage

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$321,859$357,083▲ $35,224
Receivables From Officers Etc$59,385$56,652▼ $2,733
Land, Buildings, and Equipment, Net$28,403$29,157▲ $754
Total Assets$467,492$481,686▲ $14,194
Other Assets Total$57,845$38,794▼ $19,051
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$467,492$481,686▲ $14,194
Total Net Assets Fund Balance$467,492$481,686▲ $14,194
Total Liabilities and Net Assets / Fund Balance$467,492$481,686▲ $14,194

Asset Categories

AssetBook ValueDepreciationBasis
Land$29,157-$29,157
Other Assets Org$-56,652--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Paul LopesPresident
Andrea BryantDirector
Bruce BrekkeDirector
Anne FossController
Joel J BedorTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$100
Program Service Revenue
$0
Investment Income
$14,590
Other Revenue
$0
All Other Contributions
$100
Change in Net Assets
$14,194
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$496
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance-$352-$352
Other Expenses-$144-$144
Total Functional Expenses$0$496$0$496
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$59,385$56,652▼ $2,733
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

The form 990 is provided to the directors by email

Conflict of interest policy compliance Part VI line 12C

Compliance with conflict of interest policy is monitored via ongoing assessment of potential conflicts, discussion at random board meetings, and annual statement delivery.

Governing documents etc available to public Part VI line 19

BY REQUEST, IN WRITING

Filing and Contact Details

Filer

Filer Name
Ammonoosuc Region Housing
EIN
32-0228866
In Care Of
% JOEL J BEDOR
Phone
6036165907
Address
PO BOX 46, LITTLETON, NH 03561

Signing Officer

Name
Joel J Bedor
Title
Treasurer
Phone
6036165907
Signed
2025-11-05
Discuss with paid preparer
Yes

Organization Details

Formed
2008
Legal Domicile
Nh
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
5

Preparer

Firm
Your Business Matters LLC
Address
231 Marks St, Henderson, NV 89074
Preparer
Svetlana Carter CPA
Phone
7027062322
Supplemental Narrative

Additional Explanations

Part X response or note to any line in Part X

Form 990 part x line 15 non-interest bearing mortgages due from low income homeowners who purchased homes constructed by organization.

Raw XML Appendix366 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt014590
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS PROVIDED TO THE DIRECTORS BY EMAIL
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BY REQUEST, IN WRITING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 PART X LINE 15 NON-INTEREST BEARING MORTGAGES DUE FROM LOW INCOME HOMEOWNERS WHO PURCHASED HOMES CONSTRUCTED BY ORGANIZATION.
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IRS990/TotalContributionsAmt0100
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0496
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0496
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0467492
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0481686
IRS990/TotalOtherCompensationAmt00
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt014590
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt014690
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0467492
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0481686
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.AMMONOOSUCHABITAT.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOEL J BEDOR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06036165907
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMMONOOSUC REGION HOUSING
ReturnHeader/Filer/BusinessNameControlTxt0AMMO
ReturnHeader/Filer/EIN0320228866
ReturnHeader/Filer/InCareOfNm0% JOEL J BEDOR
ReturnHeader/Filer/PhoneNum06036165907
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 46
ReturnHeader/Filer/USAddress/CityNm0LITTLETON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NH
ReturnHeader/Filer/USAddress/ZIPCd003561
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0842730877
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Your Business Matters LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0231 Marks St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Henderson
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NV
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd089074
ReturnHeader/PreparerPersonGrp/PhoneNum07027062322
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SVETLANA CARTER CPA
ReturnHeader/ReturnTs02025-11-07T15:19:39-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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