MOUNT ST MARY'S HOUSING DEVELOPMENT FUND COMPANY INC (EIN 010736732) - 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

2001

Legal Domicile

Principal Officer

ALBERT GRESS

Phone

7168471635

Tax Period

2025-01-01 to 2025-12-31

MOUNT ST MARY'S HOUSING DEVELOPMENT FUND COMPANY INC, founded in 2001, is a small nonprofit that reported $346K in total revenue in fiscal year 2025. Expenses of $408K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO PROVIDE LOW-INCOME HOUSING.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $337,170

Investment Income $6,511

Other Revenue $2,094

TOTAL REVENUE $345,775

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,457

Fundraising Expenses $0

Program Expenses $314,973

Other Expenses $305,925

TOTAL EXPENSES $408,382

Year-over-Year Comparison

	2025	2024	Change
Revenue	$345,775	$339,114	+0.0%
Expenses	$408,382	$396,189	+0.0%
Net Income	$-62,607	$-57,075	+0.1%

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
DEACON STEVE SCHUMER	PRESIDENT	0.50	Officer Director	$0	$0	$0
REV PETER KARALUS	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
MELISSA POTZLER	SECRETARY	0.50	Officer Director	$0	$0	$0
ALBERT GRESS	TREASURER	0.50	Officer Director	$0	$0	$0
ROBERT GOODS	DIRECTOR	0.50	Director	$0	$0	$0
SR MARY MCCARRICK OSF	DIRECTOR	0.50	Director	$0	$0	$0
MOST REV MICHAEL W FISHER	DIRECTOR	0.50	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	$345,775	$408,382	$3,005,958	$-62,607
2024	$339,114	$396,189	$3,098,480	$-57,075
2023	$337,256	$389,479	$3,183,301	$-52,223
2022	$329,419	$394,353	$3,246,599	$-64,934
2021	$331,435	$393,673	$3,332,049	$-62,238
2020	$337,154	$387,567	$3,416,011	$-50,413
2019	$328,396	$397,706	$3,587,168	$-69,310
2018	$319,680	$359,565	$3,589,659	$-39,885

MOUNT ST MARY'S HOUSING DEVELOPMENT FUND COMPANY INC