ST ANNE'S GARDENS HOUSING DEVELOPMENT FUND COMPANY INC (EIN 113442366) - 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

1999

Legal Domicile

Principal Officer

MICHAEL SMITH

Phone

5167337032

Tax Period

2025-01-01 to 2025-12-31

ST ANNE'S GARDENS HOUSING DEVELOPMENT FUND COMPANY INC, founded in 1999, is a community nonprofit in the Housing & Shelter sector that reported $1.1M in total revenue in fiscal year 2025. The organization ran a surplus of $954K, a strong 85% operating margin.

Mission

TO PROVIDE LOW INCOME HOUSING TO THE RESIDENTS OF THE COMMUNITY ON A NOT-FOR-PROFIT BASIS.

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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 $0

Investment Income $0

Other Revenue $1,124,352

TOTAL REVENUE $1,124,352

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $170,774

Other Expenses $170,774

TOTAL EXPENSES $170,774

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,124,352	$1,132,199	0.0%
Expenses	$170,774	$161,443	+0.1%
Net Income	$953,578	$970,756	0.0%

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
MICHAEL SMITH	PRESIDENT	5.00	Officer Director	$0	$0	$0
RICHARD BALCOM	TREASURER	5.00	Officer Director	$0	$0	$0
BRO GARY CREGAN	TRUSTEE	2.00	Director	$0	$0	$0
FR STEPHEN PIETROWSKI	TRUSTEE	2.00	Director	$0	$0	$0
SR MARYANNE FITZGERALD	TRUSTEE	2.00	Director	$0	$0	$0
ROBERT J AHLSTROM JR	TRUSTEE	2.00	Director	$0	$0	$0
WILLIAM G CHAPIN	TRUSTEE	2.00	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
2025	$1,124,352	$170,774	$6,582,181	$953,578
2024	$1,132,199	$161,443	$5,457,829	$970,756
2023	$1,348,870	$352,621	$4,325,630	$996,249
2022	No data	$255,642	$3,384,760	No data
2021	No data	$393,783	$3,496,120	No data
2020	No data	$343,348	$3,753,505	No data
2019	$150,000	$121,914	$3,967,908	$28,086
2018	No data	$115,252	$1,622,714	No data

ST ANNE'S GARDENS HOUSING DEVELOPMENT FUND COMPANY INC