SAINT ELIZABETH TERRACE WARWICK (EIN 264338544) - 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

2009

Legal Domicile

Principal Officer

MATTHEW R TRIMBLE

Phone

4017397700

Tax Period

2024-07-01 to 2025-06-30

SAINT ELIZABETH TERRACE WARWICK, founded in 2009, is a small nonprofit in the Housing & Shelter sector that reported $442K in total revenue in fiscal year 2024. Expenses of $608K exceeded revenue, resulting in a 38% operating deficit.

Mission

THE ORGANIZATION'S PRIMARY EXEMPT PURPOSE IS TO PROVIDE HOUSING TO LOW INCOME SENIORS.

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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 $218,604

Program Service Revenue $213,799

Investment Income $6,047

Other Revenue $3,186

TOTAL REVENUE $441,636

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,666

Fundraising Expenses $0

Program Expenses $472,000

Other Expenses $479,773

TOTAL EXPENSES $608,439

Year-over-Year Comparison

	2024	2023	Change
Revenue	$441,636	$454,615	0.0%
Expenses	$608,439	$588,719	+0.0%
Net Income	$-166,803	$-134,104	+0.2%

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

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

$573,450

Total Directors

Key Employees

$192,580

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLAIRE C FLAHERTY	CHAIR	2.00	Officer Director	$0	$0	$0
JUDY W VIGAR	VICE CHAIR	2.00	Officer Director	$0	$0	$0
TIMOTHY J MURRAY	TREASURER	2.00	Officer Director	$0	$0	$0
KRISTEN L DISANTO	SECRETARY	2.00	Officer Director	$0	$0	$0
STEVEN W TILLEY	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
CRAIG W CARPENTER	TRUSTEE	2.00	Director	$0	$0	$0
ROBIN DZIUBA	TRUSTEE	2.00	Director	$0	$0	$0
FREDERICK G HARRISON	TRUSTEE	2.00	Director	$0	$0	$0
STEVEN H KITCHIN	TRUSTEE	2.00	Director	$0	$0	$0
MARK J PROVOST	TRUSTEE	2.00	Director	$0	$0	$0
KIMBERLEY RANALLI	TRUSTEE	2.00	Director	$0	$0	$0
SCOTT SEABACK	TRUSTEE	2.00	Director	$0	$0	$0
PHILIP C SLOCUM	TRUSTEE	2.00	Director	$0	$0	$0
MATTHEW R TRIMBLE	PRESIDENT & CEO	0.50	Officer	$0	$25,026	$336,106
MARK LOISELLE	CHIEF FINANCIAL OFFICER	0.50	Officer	$0	$13,897	$237,344
ROBERTA MERKLE	VP-STRATEGIC INITIATIVES	1.00	Key Emp	$0	$13,273	$192,580
ERICA BRYSON	CHIEF PHILANTHROPY OFFICER	1.00	Highest	$0	$11,951	$135,298

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	$441,636	$608,439	$3,822,361	$-166,803
2024	$454,615	$588,719	$3,955,231	$-134,104
2023	$386,322	$579,186	$4,096,903	$-192,864
2022	$384,063	$570,707	$3,708,596	$-186,644
2021	$383,884	$566,663	$3,888,575	$-182,779
2020	$385,666	$544,399	$4,074,525	$-158,733
2019	$385,864	$551,933	$4,227,552	$-166,069
2018	$385,196	$553,492	$4,398,357	$-168,296

SAINT ELIZABETH TERRACE WARWICK