St Thomas Aquinas Housing Corp

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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

1972

Legal Domicile

Principal Officer

Tiffany Lough

Phone

3034426380

Tax Period

2024-05-01 to 2025-04-30

St Thomas Aquinas Housing Corp, founded in 1972, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $919K left a modest 11% surplus.

Mission

Provide low income housing for low income families under the Department of Housing and Urban Development Section 236 Program

Program Service Accomplishments

Program 1

Expenses: $820,379 Revenue: $1,028,226

Provide low income housing for low income families

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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 $1,024,525

Investment Income $3,701

Other Revenue $0

TOTAL REVENUE $1,028,226

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,899

Fundraising Expenses $0

Program Expenses $820,379

Other Expenses $911,850

TOTAL EXPENSES $918,749

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,028,226	$850,705	+0.2%
Expenses	$918,749	$594,070	+0.5%
Net Income	$109,477	$256,635	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Perry	Director	2.00	Director	$0	$0	$0
Mary Ann Perry	Director	2.00	Director	$0	$0	$0
Ralph Rodriguez	Director	2.00	Director	$0	$0	$0
Carlos Tarrio	Director	2.00	Director	$0	$0	$0
Crystal Lough	TreasurerDI	2.00	Officer Director	$0	$0	$0
Lauren Lough	PresidentDI	2.00	Officer Director	$0	$0	$0
Tiffany Lough	Director	2.00	Officer Director	$0	$0	$0
Esther Rebman	SecretaryDI	2.00	Officer 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	$1,028,226	$918,749	$1,490,896	$109,477
2024	$850,705	$594,070	$1,412,696	$256,635
2023	$851,494	$706,357	$1,135,020	$145,137
2022	$755,658	$479,697	$986,795	$275,961
2021	$664,367	$505,592	$746,415	$158,775
2020	$570,457	$567,514	$604,959	$2,943
2019	$582,843	$574,360	$620,100	$8,483
2018	$550,833	$499,141	$558,351	$51,692