NHHI - ST PAUL BARRIER FREE HOUSING CORPORATION (EIN 411427985) - 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

1983

Legal Domicile

Principal Officer

MARTIN KRETZMANN

Phone

6516399799

Tax Period

2024-10-01 to 2025-09-30

NHHI - ST PAUL BARRIER FREE HOUSING CORPORATION, founded in 1983, is a small nonprofit that reported $621K in total revenue in fiscal year 2024. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $226K, a strong 36% operating margin.

Mission

TO DEVELOP, OWN, AND MANAGE AFFORDABLE HOUSING FOR LOW INCOME PERSONS WITH DISABILITIES AND FOR 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 $330,898

Program Service Revenue $129,000

Investment Income $6,779

Other Revenue $153,909

TOTAL REVENUE $620,586

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,718

Fundraising Expenses $0

Program Expenses $338,899

Other Expenses $315,887

TOTAL EXPENSES $394,605

Year-over-Year Comparison

	2024	2023	Change
Revenue	$620,586	$444,287	+0.4%
Expenses	$394,605	$427,324	-0.1%
Net Income	$225,981	$16,963	+12.3%

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

N/A

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

$885,843

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTIN KRETZMANN	PRESIDENT	1.00	Officer	$0	$0	$200,857
IRENE WRIGHT	VICE PRESIDE	1.00	Officer	$0	$0	$270,674
MICHAEL THOMAS	SECRETARY	1.00	Officer	$0	$0	$103,433
JOANN RADEMACHER	TREASURER	1.00	Officer	$0	$0	$310,879

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	$620,586	$394,605	$665,302	$225,981
2024	$444,287	$427,324	$660,627	$16,963
2023	$413,815	$403,058	$678,053	$10,757
2022	$410,085	$413,265	$701,285	$-3,180
2021	$392,570	$383,965	$738,321	$8,605
2020	$404,525	$425,579	$758,104	$-21,054
2019	$399,014	$418,666	$802,533	$-19,652
2018	$397,322	$375,878	$844,380	$21,444

NHHI - ST PAUL BARRIER FREE HOUSING CORPORATION