STELLA MARIS HOME ASSOCIATION

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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

1968

Principal Officer

LOU GINSBURG

Phone

6096023194

Tax Period

2025-01-01 to 2025-12-31

STELLA MARIS HOME ASSOCIATION, founded in 1968, is a small nonprofit in the Recreation & Sports sector that reported $178K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. The organization ran a surplus of $40K, a strong 22% operating margin.

Mission

TO SUPPORT COMMUNITY, RELIGIOUS, PATRIOTIC AND CIVIC ENTERPRISE OF STELLA MARIS.

Program Service Accomplishments

Program 1

TO SUPPORT COMMUNITY, RELIGIOUS, PATRIOTIC AND CIVIC ENTERPRISE OF STELLA

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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 $77,453

Program Service Revenue $15,768

Investment Income $17

Other Revenue $85,234

TOTAL REVENUE $178,472

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,288

Fundraising Expenses $0

Other Expenses $129,137

TOTAL EXPENSES $138,425

Year-over-Year Comparison

	2025	2024	Change
Revenue	$178,472	$192,372	-0.1%
Expenses	$138,425	$80,807	+0.7%
Net Income	$40,047	$111,565	-0.6%

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

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
BARBARA BENSEN	TREASURER	N/A	Officer	$0	$0	$0
NORM BRION	VICE PRESDIE	N/A	Officer	$0	$0	$0
LOU GINSBURG	PRESIDENT	N/A	Officer	$0	$0	$0
KAREN WINTERS	SECRETARY	N/A	Officer	$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	$178,472	$138,425	$492,343	$40,047
2024	$192,372	$80,807	$281,976	$111,565
2023	$99,728	$72,735	$174,658	$26,993
2022	$74,699	$68,704	$150,616	$5,995