JOSEPH D CEADER FAMILY MEMORIAL FUND C/O ST LAWRENCE ROMAN CATHOLIC CHURCH (EIN 256752131) - 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

2000

Legal Domicile

Principal Officer

J AFFUSO M SENIOR PST

Phone

6107492684

Tax Period

2024-01-01 to 2024-12-31

JOSEPH D CEADER FAMILY MEMORIAL FUND C/O ST LAWRENCE ROMAN CATHOLIC CHURCH, founded in 2000, is a small nonprofit in the Religion sector that reported $872K in total revenue in fiscal year 2024. Revenue surged 440% from the prior year, signaling strong growth momentum. The organization ran a surplus of $478K, a strong 55% operating margin.

Mission

THE FUND IS A SECTION 509 (A)(3) SUPPORTING ORGANIZATION. THE PURPOSE OF THE FUND IS TO SUPPORT THE ACTIVITIES, CAPITAL NEEDS, BUILDING FUND, MAINTENANCE AND UPKEEP OF THE PHYSICAL PROPERTY OF ST. LAWRENCE CHURCH AND OTHER CHARITABLE AND FINANCIAL NEEDS OF ST. LAWRENCE ROMAN CATHOLIC CHURCH, AS PROVIDED UNDER THE TERMS OF THE TRUST UNDER WILLS OF JOSEPH D. AND VALERIA S. CEADER.

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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 $0

Investment Income $859,601

Other Revenue $12,779

TOTAL REVENUE $872,380

Expense Breakdown

Grants Paid $236,931

Salaries & Benefits $36,000

Fundraising Expenses $0

Program Expenses $243,714

Other Expenses $121,449

TOTAL EXPENSES $394,380

Year-over-Year Comparison

	2024	2023	Change
Revenue	$872,380	$161,410	+4.4%
Expenses	$394,380	$341,247	+0.2%
Net Income	$478,000	$-179,837	-3.7%

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

$36,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH AFFUSO	TRUSTEE	2.50	Director	$12,000	$0	$12,000
WALTER BENN	TRUSTEE	2.50	Director	$12,000	$0	$12,000
MARY SENIOR	TRUSTEE	2.50	Director	$12,000	$0	$12,000

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
2024	$872,380	$394,380	$9,886,459	$478,000
2023	$161,410	$341,247	$9,809,217	$-179,837
2022	$156,067	$358,408	$9,550,751	$-202,341
2021	$530,287	$269,682	$10,684,389	$260,605
2020	$168,979	$343,468	$10,422,630	$-174,489
2019	$717,467	$385,622	$10,280,500	$331,845
2018	$334,388	$287,488	$9,694,035	$46,900

JOSEPH D CEADER FAMILY MEMORIAL FUND C/O ST LAWRENCE ROMAN CATHOLIC CHURCH