ST DAVID'S HOUSING DEVELOPMENT FUND COMPANY INC (EIN 222847117) - 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

1988

Legal Domicile

Principal Officer

DAN HANDSCHY

Phone

3154241821

Tax Period

2024-07-01 to 2025-06-30

ST DAVID'S HOUSING DEVELOPMENT FUND COMPANY INC, founded in 1988, is a small nonprofit that reported $351K in total revenue in fiscal year 2024.

Mission

LOW INCOME HOUSING PROJECT

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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 $348,155

Investment Income $931

Other Revenue $1,960

TOTAL REVENUE $351,046

Expense Breakdown

Grants Paid $0

Salaries & Benefits $79,667

Fundraising Expenses $0

Program Expenses $312,532

Other Expenses $294,824

TOTAL EXPENSES $374,491

Year-over-Year Comparison

	2024	2023	Change
Revenue	$351,046	$349,837	+0.0%
Expenses	$374,491	$323,560	+0.2%
Net Income	$-23,445	$26,277	-1.9%

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
JUSTIN RUDGICK	PRESIDENT	1.00	Officer Director	$0	$0	$0
AUDREY FARWAGI	SECRETARY	1.00	Director	$0	$0	$0
KYLE LYSKAWA	TREASURER	1.00	Officer Director	$0	$0	$0
STEPHANIE BUTTON	CHAIRPERSON OF THE BOARD	1.00	Officer Director	$0	$0	$0
JIM SHULTS	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURA HANNETT-SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDA WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTEN ROBINSON	BOARD MEMBER	1.00	Director	$0	$0	$0
TINA KNOPP	BOARD MEMBER	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	$351,046	$374,491	$1,067,213	$-23,445
2024	No data	No data	No data	No data
2023	$323,041	$355,952	$1,111,453	$-32,911
2022	$325,711	$335,763	$1,157,263	$-10,052
2021	$322,298	$325,838	$1,204,219	$-3,540
2020	$315,446	$347,754	$1,206,939	$-32,308
2019	$309,665	$330,627	$1,257,165	$-20,962

ST DAVID'S HOUSING DEVELOPMENT FUND COMPANY INC