STELLA MARIS HOUSING DEVELOPMENT CORP (EIN 010376239) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1981

Legal Domicile

Principal Officer

RICHARD NORMAN

Phone

2075942202

Tax Period

2024-10-01 to 2025-09-30

STELLA MARIS HOUSING DEVELOPMENT CORP, founded in 1981, is a small nonprofit in the Housing & Shelter sector that reported $734K in total revenue in fiscal year 2024. Expenses of $708K left a modest 4% surplus.

Mission

TO PROVIDE SUBSIDIZED RESIDENTIAL HOUSING FOR ELDERLY INDIVIDUALS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $494,141

Program Service Revenue $239,966

Investment Income $208

Other Revenue $0

TOTAL REVENUE $734,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $535,180

Other Expenses $708,157

TOTAL EXPENSES $708,157

Year-over-Year Comparison

	2024	2023	Change
Revenue	$734,315	$685,123	+0.1%
Expenses	$708,157	$710,252	0.0%
Net Income	$26,158	$-25,129	-2.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD NORMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
PAUL CHAMBERLAIN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
GEORG HAUBS	TREASURER	2.00	Officer Director	$0	$0	$0
KEVIN BAILEY	DIRECTOR	1.00	Director	$0	$0	$0
GREGG TURLEY	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH CAMMELIERI	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT OHRT	DIRECTOR	1.00	Director	$0	$0	$0
BROOKS STEVENS	SECRETARY	1.00	Officer Director	$0	$0	$0
CHRIS STRAKA	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW WILLIAMS	ALTERNATE	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$734,315	$708,157	$1,310,506	$26,158
2024	$685,123	$710,252	$1,341,363	$-25,129
2023	$648,923	$686,183	$1,415,963	$-37,260
2022	$636,464	$647,992	$1,538,930	$-11,528
2021	$627,428	$627,747	$1,627,385	$-319
2020	$609,770	$587,047	$1,687,730	$22,723
2019	$594,322	$609,695	$1,719,403	$-15,373
2018	$586,180	$599,321	$1,790,132	$-13,141

STELLA MARIS HOUSING DEVELOPMENT CORP