Central Jersey Housing Resource Center
Nonprofit profile at a glance
- EIN
- 222928661
- IRS 990 coverage
- 2013–2025
- Forms available
- Form 990 2025
- Location
- Somerville, NJ, USA
- Phone
- 9084460039
- Rating
- 86
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Housing Development, Construction, Management
Reported finances
- Revenue
- $778,382
- Expenses
- $720,356
- Assets
- $617,288
- Liabilities
- $11,226
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
18 people listed
Executive titles in this filing
- JENNIFER R LATERRA (PRESIDENT)
- KENNETH A MYERS (1ST VICE PRESIDENT)
- MARCIA ZALEWSKI (2ND VICE PRESIDENT)
People named in this filing
- JENNIFER R LATERRA (PRESIDENT)
- KENNETH A MYERS (1ST VICE PRESIDENT)
- MARCIA ZALEWSKI (2ND VICE PRESIDENT)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The central jersey housing resource center (cjhrc), formerly known as somerset county council on affordable housing (sccoah), is a non-profit alliance of representatives from corporate and financial institutions, the real estate and development communities, social service providers, government leaders and housing advocates, working locally to resolve issues facing households who are struggling to find housing that meets their needs and means.
What it reported doing in 2025
The central jersey housing resource center (cjhrc) is a hud-certified, full service counseling agency providing pre-purchase, post-purchase, rental, homeless and delinquency/foreclosure counseling. The agency and its staff are known as leaders in providing housing information, counseling and referral services to meet the needs of very low-, low- and moderate-income people hoping to attain affordable housing or to overcome their housing obstacles. They provide outreach programs and services that result in assisting approximately 1,611 clients a year.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 76
- Transparency & Controls: 92
- Accountability: 100
- Sustainability: 51
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 82.9%; rating input score 83
- Program expense ratio: 89.4%; rating input score 89
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 7 of 7 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 7.5%; rating input score 51; 51st percentile among comparable filings
- Total-asset coverage ratio: 0.86; rating input score 38; 38th percentile among comparable filings
- Liabilities to assets ratio: 0.02; rating input score 54; 54th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings
Growth
- Program expense growth: 3.1% per year; rating input score 100; 27th percentile among comparable filings
- Revenue growth: 2.9% per year; rating input score 100; 25th percentile among comparable filings
- Asset growth: 6% per year; rating input score 100; 40th percentile among comparable filings
Details
- Where the money goes: 82.9% of revenue deployed · 89.4% of spending went to programs
- Governance: 18 of 18 board members independent · 7 of 7 filing controls reported
- Programs: 2 filed program accomplishments · $644K in reported program spending
- Leadership: top reported pay $0 · 18 people listed
- Consistency: 30 of 30 current checks pass
- Schedules: 6 filed schedules · includes major donors
- Filing history: 13 filing years from 2013 to 2025
- Contacts: How to reach this organization
- Money network: Resolved incoming and outgoing counterparties from filed money flows.
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Sustainability: Operating margin scored 51/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 38/100.
- Review — Sustainability: Liabilities to assets ratio scored 54/100.