GREATER ST CLAIR HOMES INC (EIN 431189522) - 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

1976

Legal Domicile

Principal Officer

DONNA ROBART

Phone

6366298388

Tax Period

2024-01-01 to 2024-12-31

GREATER ST CLAIR HOMES INC, founded in 1976, is a small nonprofit that reported $294K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $273K left a modest 7% surplus.

Mission

ORGANIZATION WAS FORMED FOR THE PURPOSE OF PROVIDING LOW-COST HOUSING FOR LOW INCOME DISABLED AND SENIOR CITIZENS. RENTAL ASSISTANCE IS RECEIVED FROM RURAL DEVELOPMENT RENTAL ASSISTANCE PROGRAM.

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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 $49,707

Program Service Revenue $230,922

Investment Income $7,953

Other Revenue $5,604

TOTAL REVENUE $294,186

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,572

Fundraising Expenses $0

Program Expenses $272,802

Other Expenses $237,230

TOTAL EXPENSES $272,802

Year-over-Year Comparison

	2024	2023	Change
Revenue	$294,186	$256,682	+0.1%
Expenses	$272,802	$291,346	-0.1%
Net Income	$21,384	$-34,664	-1.6%

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
JANICE GIRARDIER	MEMBER	N/A	Director	$0	$0	$0
VINCE MARROCCO	MEMBER	N/A	Director	$0	$0	$0
MARK SCHUPP	MEMBER	N/A	Director	$0	$0	$0
DON STORIE	MEMBER	N/A	Director	$0	$0	$0
VELMA WACHTER	MEMBER	N/A	Director	$0	$0	$0
TERRY GASAWAY	SECRETARY	N/A	Officer	$0	$0	$0
CRAIG KINDEL	VICE PRESIDE	N/A	Officer	$0	$0	$0
PATSY PRUGH	TREASURER	N/A	Officer	$0	$0	$0
DONNA ROBART	PRESIDENT	N/A	Officer	$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
2024	$294,186	$272,802	$855,738	$21,384
2023	$256,682	$291,346	$838,499	$-34,664
2022	$252,035	$250,861	$866,479	$1,174
2021	$219,798	$269,289	$865,820	$-49,491
2020	$222,183	$240,190	$912,519	$-18,007
2019	$221,634	$255,585	$930,120	$-33,951
2018	$212,886	$251,977	$952,467	$-39,091

GREATER ST CLAIR HOMES INC