MOUNT CARMEL HOUSING INC (EIN 222809776) - 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

1987

Legal Domicile

Principal Officer

MSGR F STEPHEN PEDONE

Phone

5087528022

Tax Period

2023-07-01 to 2024-06-30

MOUNT CARMEL HOUSING INC, founded in 1987, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Expenses of $1.4M exceeded revenue, resulting in a 14% operating deficit.

Mission

TO PROVIDE ELDERLY & HANDICAPPED INDIVIDUALS WITH HOUSING FACILITIES AND OTHER SERVICES SPECIFICALLY DESIGNED TO MEET THEIR NEEDS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,236,441

Investment Income $8,834

Other Revenue $5,919

TOTAL REVENUE $1,251,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $296,405

Fundraising Expenses $0

Program Expenses $1,405,798

Other Expenses $1,123,954

TOTAL EXPENSES $1,420,359

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,251,194	$1,187,244	+0.1%
Expenses	$1,420,359	$1,352,542	+0.1%
Net Income	$-169,165	$-165,298	+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
MSGR F STEPHEN PEDONE	PRESIDENT/TREASURER	1.00	Officer Director	$0	$0	$0
MARY DISILVESTRO	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT STILES	DIRECTOR	1.00	Director	$0	$0	$0
JEFF MULFORD	DIRECTOR	1.00	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	No data	No data	No data	No data
2024	$1,251,194	$1,420,359	$2,667,651	$-169,165
2023	$1,187,244	$1,352,542	$2,868,855	$-165,298
2022	$1,226,542	$1,303,413	$3,101,424	$-76,871
2021	$1,218,853	$1,294,299	$3,301,369	$-75,446
2020	$1,183,417	$1,278,975	$3,444,506	$-95,558
2019	$1,160,010	$1,190,972	$3,608,000	$-30,962

MOUNT CARMEL HOUSING INC