KEYSTONE TERRACE INC

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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

1976

Legal Domicile

Principal Officer

CHELSIE SPERFSLAGE

Phone

5639334973

Tax Period

2025-01-01 to 2025-12-31

KEYSTONE TERRACE INC, founded in 1976, is a small nonprofit that reported $151K in total revenue in fiscal year 2025. Expenses of $169K exceeded revenue, resulting in a 12% operating deficit.

Mission

PROVIDE LOW-INCOME RENTAL HOUSING TO THOSE THAT QUALIFY WITH USDA RURAL DEVELOPMENT REGULATIONS.

Program Service Accomplishments

Program 1

Expenses: $122,416 Revenue: $146,104

THIS ORGANIZATION PROVIDES LOW INCOME, ELDERLY, AND DISABLED HOUSING UNITS AND RENTS TO LOW INCOME, ELDERLY, AND DISABLED PEOPLE.

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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 $0

Program Service Revenue $146,094

Investment Income $5,266

Other Revenue $10

TOTAL REVENUE $151,370

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,083

Fundraising Expenses $0

Program Expenses $122,416

Other Expenses $160,978

TOTAL EXPENSES $169,061

Year-over-Year Comparison

	2025	2024	Change
Revenue	$151,370	$158,553	0.0%
Expenses	$169,061	$153,291	+0.1%
Net Income	$-17,691	$5,262	-4.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE COLLINS	MEMBERS	0.10	Director	$0	$0	$0
ANN GIBNEY	MEMBER	0.10	Director	$0	$0	$0
BOB HAUBER	MEMBER	0.10	Director	$0	$0	$0
DARLA KELCHEN	MEMBER	0.10	Director	$0	$0	$0
JESSIE PENSEL	MEMBER	0.10	Director	$0	$0	$0
CHELSIE SPERFSLAGE	PRESIDENT	0.10	Officer Director	$0	$0	$0
JUSTIN VORWALD	SECRETARY	0.10	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	$151,370	$169,061	$663,189	$-17,691
2024	$158,553	$153,291	$688,515	$5,262
2023	$253,310	$144,928	$692,252	$108,382
2022	$149,647	$129,244	$608,119	$20,403
2021	$150,881	$118,861	$583,724	$32,020
2020	$158,756	$116,204	$563,518	$42,552