SPF-STER-IV (EIN 200760332) - 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

2002

Legal Domicile

Principal Officer

STACIE KEMP

Phone

8152846611

Tax Period

2024-07-01 to 2025-06-30

SPF-STER-IV, founded in 2002, is a small nonprofit in the Housing & Shelter sector that reported $120K in total revenue in fiscal year 2017. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $147K exceeded revenue, resulting in a 22% operating deficit.

Mission

TO PROVIDE LOW INCOME HOUSING TO THE DISABLED.

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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 $134,198

Investment Income $191

Other Revenue $2,138

TOTAL REVENUE $136,527

Expense Breakdown

Grants Paid $0

Salaries & Benefits $23,925

Fundraising Expenses $0

Program Expenses $134,599

Other Expenses $161,435

TOTAL EXPENSES $185,360

Year-over-Year Comparison

	2024	2023	Change
Revenue	$136,527	$143,991	-0.1%
Expenses	$185,360	$167,361	+0.1%
Net Income	$-48,833	$-23,370	+1.1%

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

N/A

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

$476,369

Total Directors

$280,720

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STACIE KEMP	CHAIRPERSON	0.50	Officer Director	$0	$11,452	$280,720
LAWRENCE A PRINDAVILLE	CHAIRPERSON	0.50	Officer Director	$0	$0	$0
DEAN A AHLERS	VICE CHAIRPERSON	0.50	Officer Director	$0	$0	$0
GARY GEHLBACH	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
SUSAN SCHROEDER	DIRECTOR	0.50	Director	$0	$0	$0
WENDY CANN	DIRECTOR	0.50	Director	$0	$0	$0
TERESA A GOOD	VP/CFO	1.00	Officer	$0	$14,768	$195,649

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	$136,527	$185,360	$723,554	$-48,833
2024	$143,991	$167,361	$772,681	$-23,370
2023	$129,997	$193,855	$801,659	$-63,858
2022	$133,706	$149,021	$861,960	$-15,315
2021	$117,334	$158,761	$875,300	$-41,427
2020	$126,181	$145,934	$917,450	$-19,753
2019	$122,875	$155,531	$935,408	$-32,656
2018	$120,422	$147,211	$969,803	$-26,789

SPF-STER-IV