ST JAMES RETIREMENT COMMUNITY INC (EIN 141798729) - 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

Phone

6074369974

Tax Period

2025-01-01 to 2025-12-31

ST JAMES RETIREMENT COMMUNITY INC, founded in 1999, is a community nonprofit in the Housing & Shelter sector that reported $1.4M in total revenue in fiscal year 2025. Expenses of $1.3M left a modest 4% surplus.

Mission

St. James' Retirement Community, Inc.was organized to develop and maintain an affordable housing project, known as St. James' Manor, for elderly persons in Oneonta, New York.

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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 $1,356,695

Investment Income $29,066

Other Revenue $5,105

TOTAL REVENUE $1,390,866

Expense Breakdown

Grants Paid $0

Salaries & Benefits $649,543

Fundraising Expenses $0

Program Expenses $1,183,596

Other Expenses $681,367

TOTAL EXPENSES $1,330,910

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,390,866	$1,360,515	+0.0%
Expenses	$1,330,910	$1,274,791	+0.0%
Net Income	$59,956	$85,724	-0.3%

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

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

$112,605

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY CLARKSON	Executive Direc	40.00	Officer	$112,605	$0	$112,605
MARILYN BALL	Director	1.00	Director	$0	$0	$0
DONALD BALL	Director	1.00	Director	$0	$0	$0
CHRIS WOOD	Trustee	1.00	Director	$0	$0	$0
JOE HARBY	Director	1.00	Director	$0	$0	$0
SCOTT DAVIS	Director	1.00	Director	$0	$0	$0
MANNY PELLIGRA	Trustee	1.00	Director	$0	$0	$0
CHRIS SHIELDS	President	1.00	Officer Director	$0	$0	$0
LOIS HAIGHT	Director	1.00	Director	$0	$0	$0
BONNIE NOBILING	Vice President	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	$1,390,866	$1,330,910	$3,708,143	$59,956
2024	$1,360,515	$1,274,791	$3,712,337	$85,724
2023	$1,293,460	$1,295,728	$3,782,404	$-2,268
2022	$1,124,938	$1,240,305	$3,613,243	$-115,367
2021	$1,035,929	$1,100,206	$3,569,548	$-64,277
2020	$1,146,260	$1,059,316	$3,567,866	$86,944
2019	$1,114,003	$1,041,726	$3,717,013	$72,277
2018	$1,130,475	$1,038,785	$3,974,691	$91,690

ST JAMES RETIREMENT COMMUNITY INC