ST PAUL HOUSING CORP (EIN 050513907) - 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

ROBERT JACOB

Phone

4018842427

Tax Period

2021-01-01 to 2021-12-31

ST PAUL HOUSING CORP, founded in 2000, is a small nonprofit in the Housing & Shelter sector that reported $259K in total revenue in fiscal year 2021. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $186K, a strong 72% operating margin.

Mission

PROVIDE LOW-INCOME HOUSING FOR THE ELDERLY

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $191,739

Investment Income $66,977

Other Revenue $0

TOTAL REVENUE $258,716

Expense Breakdown

Grants Paid $66,321

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $73,183

Other Expenses $6,862

TOTAL EXPENSES $73,183

Year-over-Year Comparison

	2021	2020	Change
Revenue	$258,716	$234,738	+0.1%
Expenses	$73,183	$76,060	0.0%
Net Income	$185,533	$158,678	+0.2%

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

$840

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT JACOB	PRESIDENT / DIRECTOR	3.00	Director	$840	$0	$840
WILLIAM MCELENEY	VICE PRESIDENT / DIRECTOR	3.00	Director	$0	$0	$0
LINDA NELSON	SECRETARY / DIRECTOR	3.00	Director	$0	$0	$0
RONALD STRUNZ	TREASURER / DIRECTOR	3.00	Director	$0	$0	$0
STEPHEN WHITNEY	ASST. TREASURER / DIRECTOR	3.00	Director	$0	$0	$0
RICHARD PEZZA	MEMBER	3.00	Director	$0	$0	$0
WILLIAM ZURAWSKI	MEMBER	3.00	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
2021	$258,716	$73,183	$3,552,823	$185,533
2020	$234,738	$76,060	$3,229,865	$158,678
2019	$135,810	$63,895	$2,388,249	$71,915
2018	$146,077	$60,150	$1,983,900	$85,927

ST PAUL HOUSING CORP