THREE GEMS INC (EIN 043542875) - 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

2000

Legal Domicile

Principal Officer

LOUISE ELVING

Phone

6174925559

Tax Period

2024-07-01 to 2025-06-30

THREE GEMS INC, founded in 2000, is a small nonprofit in the Housing & Shelter sector that reported $155K in total revenue in fiscal year 2024.

Mission

TO PROVIDE LOW-INCOME HOUSING FOR THE CHRONICALLY, MENTALLY DISABLED.

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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 $0

Program Service Revenue $153,852

Investment Income $151

Other Revenue $646

TOTAL REVENUE $154,649

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,699

Fundraising Expenses $0

Program Expenses $149,821

Other Expenses $132,616

TOTAL EXPENSES $161,315

Year-over-Year Comparison

	2024	2023	Change
Revenue	$154,649	$157,218	0.0%
Expenses	$161,315	$159,175	+0.0%
Net Income	$-6,666	$-1,957	+2.4%

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
TIMOTHY BOMBARD	DIRECTOR	1.00	Director	$0	$0	$0
DELFINE MASONGO	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN RICHARDS	DIRECTOR	1.00	Director	$0	$0	$0
LOUISE ELVING	PRESIDENT	1.00	Officer	$0	$0	$0
GEORGE BEAL	TREASURER	1.00	Officer	$0	$0	$0
JOHN HIXSON	CLERK	1.00	Officer	$0	$0	$0
VINCENT O'DONNELL	VICE PRESIDENT	1.00	Officer	$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	$154,649	$161,315	$1,261,745	$-6,666
2024	$157,218	$159,175	$1,277,903	$-1,957
2023	$119,247	$165,733	$1,284,120	$-46,486
2022	$126,923	$154,221	$1,305,772	$-27,298
2021	$114,469	$153,593	$1,330,738	$-39,124
2020	$104,213	$137,415	$1,351,288	$-33,202
2019	$101,445	$118,330	$1,359,408	$-16,885
2018	$101,070	$135,687	$1,378,460	$-34,617

THREE GEMS INC