CHAP Corporation (EIN 411717283) - 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

2006

Legal Domicile

Principal Officer

Greg St Hilaire

Phone

9287923100

Tax Period

2025-01-01 to 2025-12-31

CHAP Corporation, founded in 2006, is a micro nonprofit in the Community Improvement sector that reported $11K in total revenue in fiscal year 2025. Revenue fell 108% from the prior year — a significant decline worth monitoring.

Mission

Providing low-income people with food, clothing & other household items at low or no cost. Also assisting in providing affordable housing, household & school supplies to those in need.

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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 (2025)

Revenue Breakdown

Contributions & Grants $13,420

Program Service Revenue $12,782

Investment Income $-36,807

Other Revenue $0

TOTAL REVENUE $-10,605

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,000

Fundraising Expenses $0

Program Expenses $44,513

Other Expenses $45,847

TOTAL EXPENSES $57,847

Year-over-Year Comparison

	2025	2024	Change
Revenue	$-10,605	$129,847	-1.1%
Expenses	$57,847	$68,678	-0.2%
Net Income	$-68,452	$61,169	-2.1%

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

$12,000

Total Directors

$12,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Greg St Hilaire	Vice President	40.00	Officer Director	$12,000	$0	$12,000
Carol St Hilaire	President	40.00	Officer Director	$0	$0	$0
Kali Shelltrack	Secretary	1.00	Officer Director	$0	$0	$0
Sherri Jenson	Treasurer	1.00	Officer Director	$0	$0	$0
Joseph St Hilaire	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	$-10,605	$57,847	$256,194	$-68,452
2024	$129,847	$68,678	$399,646	$61,169
2023	$38,091	$64,606	$465,683	$-26,515
2022	$107,681	$72,099	$492,198	$35,582
2021	$-231,718	$98,219	$333,385	$-329,937
2020	$69,164	$91,999	$769,180	$-22,835
2019	$173,784	$93,138	$808,089	$80,646
2018	$83,838	$119,973	$675,543	$-36,135

CHAP Corporation