ST JAMES BUILDING ASSOCIATION

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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

2003

Legal Domicile

Principal Officer

RAYMOND GAMBLE

Phone

6039269563

Tax Period

2024-01-01 to 2024-12-31

ST JAMES BUILDING ASSOCIATION, founded in 2003, is a micro nonprofit that reported $53K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $27K, a strong 50% operating margin.

Mission

TITLE HOLDING ORGANIZATION

Program Service Accomplishments

Program 1

THE ASSOCIATION OWNS PROPERTY USED BY THE ST JAMES LODGE, A TAX EXEMPT ORGANIZATION, AS WELL AS OTHER NONPROFIT ORGANIZATIONS INCLUDING SCHOOLS, CHURCHES, SCOUTS AND THE TOWN. IN 2019, THE PROPERTY HAD OVER 90 NON- PROFIT USES INCLUDING SCOUTS, EASTERN STAR, HISTORICAL SOCIETY, PUBLIC SCHOOLS AND OTHER EXEMPT ORGANIZATIONS AND PROGRAMS.

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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 $168

Program Service Revenue $45,560

Investment Income $7,159

Other Revenue $0

TOTAL REVENUE $52,887

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $26,232

TOTAL EXPENSES $26,232

Year-over-Year Comparison

	2024	2023	Change
Revenue	$52,887	$69,717	-0.2%
Expenses	$26,232	$57,932	-0.5%
Net Income	$26,655	$11,785	+1.3%

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

N/A

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
JOHN RING	VICE PRESIDE	N/A	Officer	$0	$0	$0
RICHARD COOPER	PRESIDENT	N/A	Officer	$0	$0	$0
RAYMOND GAMBLE	TREASURER	N/A	Officer	$0	$0	$0
THOMAS LAMBERT	SECRETARY	N/A	Officer	$0	$0	$0
RICHARD DONAHUE	DIRECTOR	N/A	Director	$0	$0	$0
ALAN JONES	DIRECTOR	N/A	Director	$0	$0	$0
TIMOTHY SIMPSON	DIRECTOR	N/A	Director	$0	$0	$0
NATHAN PAGE	DIRECTOR	N/A	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
2024	$52,887	$26,232	$992,917	$26,655
2023	$69,717	$57,932	$966,262	$11,785