HOME BUILDER'S ASSOCIATION OF ST JOSEPH VALLEY INC (EIN 350929205) - 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

1945

Legal Domicile

Principal Officer

DJ TAVERNIER

Phone

5742580411

Tax Period

2023-01-01 to 2023-12-31

HOME BUILDER'S ASSOCIATION OF ST JOSEPH VALLEY INC, founded in 1945, is a small nonprofit in the Community Improvement sector that reported $382K in total revenue in fiscal year 2023. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $447K exceeded revenue, resulting in a 17% operating deficit.

Mission

TO PROMOTE AFFORDABLE QUALITY HOUSING AND HOME OWNERSHIP.

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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 (2023)

Revenue Breakdown

Contributions & Grants $140,018

Program Service Revenue $237,123

Investment Income $4,141

Other Revenue $1,180

TOTAL REVENUE $382,462

Expense Breakdown

Grants Paid $3,200

Salaries & Benefits $129,636

Fundraising Expenses $0

Program Expenses $447,267

Other Expenses $314,431

TOTAL EXPENSES $447,267

Year-over-Year Comparison

	2023	2022	Change
Revenue	$382,462	$540,883	-0.3%
Expenses	$447,267	$358,827	+0.2%
Net Income	$-64,805	$182,056	-1.4%

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

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

$69,900

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDY PLACE JR	BOARD MEMBER	1.00	Director	$0	$0	$0
ADAM DEVON	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY HOUK	BOARD MEMBER	1.00	Director	$0	$0	$0
ERICA YOUNG	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID SIERADZKI	BOARD MEMBER	1.00	Director	$0	$0	$0
CRAIG TAELMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
ROB NICHOLS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRANDON KITKOWSKI	BOARD MEMBER	1.00	Director	$0	$0	$0
PAT MATTHEWS	BOARD MEMBER	1.00	Director	$0	$0	$0
STACY VERVYNCKT	SECRETARY	1.00	Officer Director	$0	$0	$0
KEVIN ZINK	TREASURER	1.00	Officer Director	$0	$0	$0
CYLE MILEWSKI	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DJ TAVERNIER	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRIAN MCMORROW	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
BOB PENROSE	EXECUTIVE DIRECTOR	40.00	Officer	$64,500	$5,400	$69,900

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	No data	No data	No data	No data
2023	$382,462	$447,267	$219,461	$-64,805
2022	$540,883	$358,827	$256,406	$182,056
2021	$263,231	$289,514	$104,183	$-26,283
2020	$250,909	$281,980	$105,771	$-31,071
2019	$256,409	$250,779	$132,823	$5,630
2018	$245,738	$239,094	$125,179	$6,644

HOME BUILDER'S ASSOCIATION OF ST JOSEPH VALLEY INC