Housing & Shelter (L82Z) IRS Verified DX Registered 990 on File

NEIGHBORHOOD HOUSING SERVICES OF THE SOUTH SHORE INC

EIN: 04-2732439 · QUINCY, MA 02169-5715 · United States · FY 2025 Data

3 out of 5 46 / 100 Based on 2+ years of filings

Financial strength (30%) 42/100

Reliability (20%) 55/100

Effectiveness (25%) 88/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 9/13/2026

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Mission Statement

When you decide you are ready to buy a house, whether it’s for the first time or you’ve been through the experience before, you have lots of questions – about mortgages, credit, inspections, neighborhoods and many other things. NeighborWorks® is a one-stop-shop, providing all the answers and support a homebuyer needs- homebuyer education, realty, financial coaching, foreclosure counseling, and more. What makes NeighborWorks® different is our non-profit mission: to build great communities, one dream home at a time. That means we keep the buyer’s best interests front and center throughout the home buying process, from the day they come through our door to the day we hand then the keys to a home of their own and beyond.

Financial Overview — FY 2025

$153.5M

Total Revenue

$145.5M

Total Expenses

$28.0M

Net Assets

149

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 98.3%

Fundraising Efficiency 108.0%

Operating Reserve 2.31x

Liability-to-Asset 65.4%

Revenue Diversification 93.1%

Compared with Peers

FY 2025

Compared with 6 similar organizations (United States, Housing & Shelter, $100M and over 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	98.3%	94.1%	P10P90	Above median
Admin expense ratio Management and general / total expenses · lower is better	1.5%	5.6%	P10P90	Above median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.1%	0.1%	P10P90	Below median
Operating reserve Months of expenses covered by net assets · higher is better	2.3 mo	2.5 mo	P10P90	Below median
Liabilities to assets Total liabilities / total assets · lower is better	65.4%	58.6%	P10P90	Bottom quarter
Revenue concentration Share of revenue from the largest source · lower is better	93.1%	95.6%	P10P90	Above median
Surplus margin Surplus as a share of revenue	5.2%	1.7%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$153.5M	$145.5M	$28.0M	98.3%	149
2023	$92.5M	$89.3M	$12.0M	97.1%	128
2022	$138.1M	$135.8M	$8.7M	98.4%	90
2021	$76.1M	$74.5M	N/A	—	88

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Organization Details

EIN: 04-2732439
State: MA
City: QUINCY
ZIP: 02169-5715
Classification: L82Z
Category: Housing & Shelter
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 1981
Foundation Code: 15
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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