SAINT JOSEPH'S LIVING CENTER INC (EIN 061241982) - 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

1987

Legal Domicile

Principal Officer

MARISSA KOWAL

Phone

8604561107

Tax Period

2023-10-01 to 2024-09-30

SAINT JOSEPH'S LIVING CENTER INC, founded in 1987, is a mid-sized nonprofit in the Health Care sector that reported $13.2M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. Expenses of $14.5M exceeded revenue, resulting in a 10% operating deficit.

Mission

LONG-TERM SKILLED NURSING CARE AND REHABILITATION SERVICES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $97,713

Program Service Revenue $13,014,466

Investment Income $2,728

Other Revenue $54,671

TOTAL REVENUE $13,169,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,491,729

Fundraising Expenses $0

Program Expenses $12,533,779

Other Expenses $8,047,197

TOTAL EXPENSES $14,538,926

Year-over-Year Comparison

	2023	2022	Change
Revenue	$13,169,578	$10,358,282	+0.3%
Expenses	$14,538,926	$11,955,528	+0.2%
Net Income	$-1,369,348	$-1,597,246	-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

256

Volunteers

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

$190,228

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GINNY PERSON	LNHA, ADMINISTRATOR	40.00	Officer	$151,292	$38,936	$190,228
VALERIE OLIVER	RN, DIRECTOR OF NURSING SERVICES	40.00	Highest	$147,168	$38,772	$185,940
ZACHARY POTTER	RN, ASST DIRECTOR OF NURSING SERVICES	40.00	Highest	$116,963	$37,575	$154,538
MICHELLE BESSETTE	RN	40.00	Highest	$111,647	$16,404	$128,051
MERCY SABS SR	RN	40.00	Highest	$101,170	$11,977	$113,147
MARISSA KOWAL	ADMINISTRATOR (AS OF 06/24)	40.00	Officer	$0	$0	$0
REV LAURENCE AM LAPOINTE	CHAIRMAN	3.00	Officer Director	$0	$0	$0
MS LORRAINE BROWN GALLUP	TREASURER	2.00	Officer Director	$0	$0	$0
BRUCE DOUGHERTY DDS	SECRETARY	2.00	Officer Director	$0	$0	$0
BISHOP MICHAEL COTE	MEMBER OF THE CORPORATION	2.00	Officer Director	$0	$0	$0
SR M JACINTA ANDERSON RN	DIRECTOR	1.00	Director	$0	$0	$0
SR MICHELE BISAILLON	DIRECTOR	1.00	Director	$0	$0	$0
MR DONALD DUBIEL	DIRECTOR	2.00	Director	$0	$0	$0
MR JAMES DUFFY	DIRECTOR	1.00	Director	$0	$0	$0
MR TIMOTHY KILLEEN	DIRECTOR	2.00	Director	$0	$0	$0
JOHN F MALONE	DIRECTOR	1.00	Director	$0	$0	$0
LINDA RIQUIER	DIRECTOR	1.00	Director	$0	$0	$0
GARY SPEAKER	DIRECTOR	0.40	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	$13,169,578	$14,538,926	$5,032,078	$-1,369,348
2023	$10,358,282	$11,955,528	$4,762,523	$-1,597,246
2022	$13,452,281	$11,771,712	$6,314,184	$1,680,569
2021	$11,045,543	$11,589,127	$6,862,536	$-543,584
2020	$11,393,445	$11,819,772	$7,560,811	$-426,327
2019	$12,102,719	$12,475,387	$6,456,423	$-372,668
2018	$11,950,208	$12,115,140	$6,938,347	$-164,932

SAINT JOSEPH'S LIVING CENTER INC