SOUTHERN TIER FOUNDATION INC (EIN 134267938) - 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

2003

Legal Domicile

Principal Officer

THOMAS J WHITNEY

Phone

7163663200

Tax Period

2024-07-01 to 2025-06-30

SOUTHERN TIER FOUNDATION INC, founded in 2003, is a small nonprofit that reported $202K in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $43K, a strong 21% operating margin.

Mission

PROVIDE AND DEVELOP AFFORDABLE HOUSING FOR LOW INCOME FAMILIES.

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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 $202,214

Investment Income $0

Other Revenue $0

TOTAL REVENUE $202,214

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $109,444

Other Expenses $158,756

TOTAL EXPENSES $158,756

Year-over-Year Comparison

	2024	2023	Change
Revenue	$202,214	$150,000	+0.3%
Expenses	$158,756	$139,860	+0.1%
Net Income	$43,458	$10,140	+3.3%

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

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

$1,200

Total Directors

$1,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS J WHITNEY	PRESIDENT	5.00	Officer Director	$1,200	$0	$1,200
SHELLY FREYN	SECRETARY	1.00	Officer 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	$202,214	$158,756	$548,314	$43,458
2024	$150,000	$139,860	$548,865	$10,140
2023	$171,012	$708,707	$548,725	$-537,695
2022	$36,001	$88,157	$1,116,981	$-52,156
2021	$154,712	$150,548	$1,171,647	$4,164
2020	$176,897	$219,765	$1,163,779	$-42,868
2019	$228,825	$256,699	$1,308,251	$-27,874

SOUTHERN TIER FOUNDATION INC