ST XAVIER'S HOME C/O JOSEPH GALLANT (EIN 010440182) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Principal Officer

JOSEPH GALLANT

Phone

2076217700

Tax Period

2024-10-01 to 2025-09-30

ST XAVIER'S HOME C/O JOSEPH GALLANT is a 501(c)(3) with EIN 010440182, based in BANGOR, ME. Founded in 1974, the organization files IRS Form 990 and reported its most recent data for fiscal year 2024. In that period, it reported $352,665 in total revenue and $342,761 in total expenses, with net assets of $-9,552.

Mission

PROVIDE LOW-INCOME HOUSING FOR THE ELDERLY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $259,505

Program Service Revenue $89,716

Investment Income $3,444

Other Revenue $0

TOTAL REVENUE $352,665

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $342,761

Other Expenses $342,761

TOTAL EXPENSES $342,761

Year-over-Year Comparison

	2024	2023	Change
Revenue	$352,665	$314,702	+0.1%
Expenses	$342,761	$331,693	+0.0%
Net Income	$9,904	$-16,991	-1.6%

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
JANE FRENCH	BOARD MEMBER	5.00	Director	$0	$0	$0
TROY LARE	BOARD MEMBER	5.00	Director	$0	$0	$0
EDDIE CAMPBELL	BOARD MEMBER	5.00	Director	$0	$0	$0
JOSEPH GALLANT	CHAIR	5.00	Officer Director	$0	$0	$0
SYLVIA BARRERA	BOARD MEMBER	5.00	Director	$0	$0	$0
TIMOTHY MACKAY	BOARD MEMBER	5.00	Director	$0	$0	$0
FRANCES KELLY	BOARD MEMBER	5.00	Director	$0	$0	$0
KATIE DEROSIER	BOARD MEMBER	5.00	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	$352,665	$342,761	$1,139,022	$9,904
2024	$314,702	$331,693	$1,171,189	$-16,991
2023	$305,627	$336,243	$1,195,875	$-30,616
2022	$282,843	$354,942	$1,244,884	$-72,099
2021	$302,862	$297,284	$1,336,992	$5,578
2020	$290,331	$289,364	$1,354,246	$967

ST XAVIER'S HOME C/O JOSEPH GALLANT