JOPPA (EIN 270216625) - 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

JOE STEVENS

Phone

5152885699

Tax Period

2024-10-01 to 2025-09-30

JOPPA, founded in 2009, is a community nonprofit in the Human Services sector that reported $2.5M in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year. Expenses of $2.4M left a modest 3% surplus.

Mission

JOPPA HELPS HOMELESS PEOPLE SURVIVE, FIND HOUSING, AND REBUILD THEIR LIVES. OUR MISSION IS TO CREATE COMMUNITIES OF UNCONDITIONAL LOVE, SUPPORT AND HOPE FOR THE HOMELESS AS WE WORK TOGETHER TO END HOMELESSNESS.

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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 $2,019,244

Program Service Revenue $468,001

Investment Income $2,923

Other Revenue $0

TOTAL REVENUE $2,490,168

Expense Breakdown

Grants Paid $0

Salaries & Benefits $905,730

Fundraising Expenses $145,771

Program Expenses $2,230,489

Other Expenses $1,500,506

TOTAL EXPENSES $2,406,236

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,490,168	$2,984,828	-0.2%
Expenses	$2,406,236	$2,862,810	-0.2%
Net Income	$83,932	$122,018	-0.3%

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

Volunteers

2162

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

$241,117

Total Directors

$241,117

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE STEVENS	PRESIDENT & CEO	70.00	Officer Director	$139,723	$16,144	$155,867
JACKI STEVENS	VICE PRESIDENT & THRIFTMART CEO	65.00	Officer Director	$71,163	$14,087	$85,250
TOM HROMATKA	TREASURER	1.00	Officer Director	$0	$0	$0
JIM HAGBERG	SECRETARY	1.00	Officer Director	$0	$0	$0
BILL MECH	CHAIR	1.00	Director	$0	$0	$0
VERNON DELPESCE	DIRECTOR	1.00	Director	$0	$0	$0
SHAYNE HUSTON	DIRECTOR	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	$2,490,168	$2,406,236	$3,580,566	$83,932
2024	$2,984,828	$2,862,810	$2,442,101	$122,018
2023	$2,025,055	$2,631,018	$2,445,808	$-605,963
2022	$1,811,080	$2,452,382	$2,130,589	$-641,302
2021	$2,338,608	$2,026,193	$1,284,219	$312,415
2020	$1,287,828	$1,257,930	$583,748	$29,898
2019	$1,923,982	$1,716,612	$363,464	$207,370
2018	$1,559,550	$1,537,824	$163,546	$21,726

JOPPA