ST JOSEPH'S TERRACE INC (EIN 232878380) - 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

1998

Legal Domicile

Principal Officer

DANIEL K BARBUSIO

Phone

8147878772

Tax Period

2025-01-01 to 2025-12-31

ST JOSEPH'S TERRACE INC, founded in 1998, is a small nonprofit in the Housing & Shelter sector that reported $207K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year.

Mission

PROVIDE SAFE AND AFFORDABLE HOUSING TO LOW INCOME ELDERLY.

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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 $95,625

Program Service Revenue $107,159

Investment Income $3,253

Other Revenue $1,333

TOTAL REVENUE $207,370

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $154,016

Other Expenses $220,566

TOTAL EXPENSES $220,566

Year-over-Year Comparison

	2025	2024	Change
Revenue	$207,370	$246,581	-0.2%
Expenses	$220,566	$199,617	+0.1%
Net Income	$-13,196	$46,964	-1.3%

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

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

$171,840

Total Directors

$171,840

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMY RIPPEY	VICE PRESIDENT	0.30	Officer Director	$0	$0	$0
CHRISTINE GAVAZZI	DIRECTOR	0.30	Director	$0	$0	$0
CHARLES VERONESI	PRESIDENT	0.30	Officer Director	$0	$0	$0
FR MARK MASTRIAN	DIRECTOR	0.30	Director	$0	$0	$0
CHARLES LIPTAK	DIRECTOR	0.30	Director	$0	$0	$0
DENISE CUNEO ESQ	SECRETARY	0.30	Officer Director	$0	$0	$0
DANIEL BARBUSIO	TREASURER	0.30	Officer Director	$0	$32,025	$171,840

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	$207,370	$220,566	$944,322	$-13,196
2024	$246,581	$199,617	$957,248	$46,964
2023	$201,597	$189,454	$912,420	$12,143
2022	$203,243	$211,462	$900,032	$-8,219
2021	$186,731	$189,690	$918,911	$-2,959
2020	$180,409	$177,731	$902,688	$2,678
2019	$176,864	$171,734	$901,627	$5,130
2018	$167,701	$160,685	$910,749	$7,016

ST JOSEPH'S TERRACE INC