Housing & Shelter
(L122)
990 on File
VERMONT HOUSING FINANCE AGENCY
Financial strength (30%)
55/100
Reliability (20%)
55/100
Effectiveness (25%)
88/100
Impact (25%)
No data yet
CharityAI™ Score
Not yet evaluated
Financial Overview — FY 2025
$40.4M
Total Revenue
$33.8M
Total Expenses
$123.6M
Net Assets
58
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
98.1%
Fundraising Efficiency
N/A
Operating Reserve
43.93x
Liability-to-Asset
82.5%
Revenue Diversification
88.0%
Executive Compensation
$461K
Compared with Peers
FY 2025
Compared with 177 similar organizations
(United States, Housing & Shelter, $10M–$100M in expenses), FY 2025.
This organization
Middle half of peers (P25–P75)
Peer median
| Ratio | This org | Peer median | Position (P10 → P90) | |
|---|---|---|---|---|
|
Program expense ratio
Program expenses / total expenses
· higher is better
|
98.1% | 87.8% |
P10P90
|
Top quarter |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
1.9% | 8.7% |
P10P90
|
Top quarter |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
0.0% | 0.0% |
P10P90
|
Top quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
43.9 mo | 9.4 mo |
P10P90
|
Top quarter |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
82.5% | 46.6% |
P10P90
|
Below median |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
88.0% | 89.5% |
P10P90
|
Above median |
|
Surplus margin
Surplus as a share of revenue
|
16.4% | 2.6% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $40.4M | $33.8M | $123.6M | 98.1% | 58 |
| 2023 | $55.9M | $48.4M | $104.5M | 98.7% | 46 |
| 2022 | $39.3M | $33.5M | $104.1M | 98.3% | 47 |
| 2021 | $30.6M | $26.2M | N/A | — | 42 |
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