Saint Louis, MO
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)Justine Petersen Housing And Reinvestment Corporation, founded in 1997, is a mid-sized nonprofit in the Housing & Shelter sector that reported $14.0M in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $12.9M left a modest 8% surplus.
JUSTINE PETERSEN'S MISSION IS TO PROMOTE HOUSING, SAVINGS, AND ECONOMIC DEVELOPMENT OF LOW AND MODERATE INCOME FAMILIES TO BUILD ASSETS AND CREATE ENDURING CHANGE.
TECHNICAL ASSISTANCE AND LENDING TO SMALL BUSINESSES AND MICRO-ENTERPRISES. AS THE NATION'S LARGEST SBA MICRO-LOAN INTERMEDIARY, JUSTINE PETERSEN BORROWS MONEY DIRECTLY FROM THE SBA AND ORIGINATES...
TECHNICAL ASSISTANCE AND LENDING TO SMALL BUSINESSES AND MICRO-ENTERPRISES. AS THE NATION'S LARGEST SBA MICRO-LOAN INTERMEDIARY, JUSTINE PETERSEN BORROWS MONEY DIRECTLY FROM THE SBA AND ORIGINATES MICRO-ENTERPRISE LOANS UNDER $50,000 IN ACCORDANCE WITH ITS OWN UNDERWRITING GUIDELINES TO SMALL BUSINESS OWNERS THAT MAY NOT BE ABLE TO SECURE CAPITAL ELSEWHERE. JUSTINE PETERSEN PARTICIPATES IN THE USDA INTERMEDIARY RELENDING PROGRAM FOR ITS RURAL LENDING. JUSTINE PETERSEN AND ITS SUBSIDIARY, GREAT RIVERS COMMUNITY CAPITAL, ARE BOTH TREASURY-CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFI) AND ORIGINATE MICRO-ENTERPRISE AND SMALL BUSINESS LOANS. GEOGRAPHICALLY, JUSTINE PETERSEN/GREAT RIVERS CURRENTLY OFFER MICROENTERPRISE/SMALL BUSINESS LOANS IN 73 ILLINOIS AND 28 KANSAS COUNTIES AND THE ENTIRE STATE OF MISSOURI. IN 2024, JUSTINE PETERSEN AND ITS SUBSIDARY PROVIDED TECHNICAL ASSISTANCE AND ORIGINATED OVER $31.7 MILLION IN 857 MICRO-ENTERPRISE AND SMALL BUSINESS LOANS AND ORIGINATED OVER $1.2 MILLION IN 465 CONSUMER LOANS.
HOUSING - AS A HUD CERTIFIED HOUSING COUNSELING AGENCY, COUNSELORS ASSIST LOW TO MODERATE INCOME FAMILIES AND INDIVIDUALS TO ADDRESS CREDIT AND OTHER BARRIERS TO PURCHASING OR REFINANCING A HOME...
HOUSING - AS A HUD CERTIFIED HOUSING COUNSELING AGENCY, COUNSELORS ASSIST LOW TO MODERATE INCOME FAMILIES AND INDIVIDUALS TO ADDRESS CREDIT AND OTHER BARRIERS TO PURCHASING OR REFINANCING A HOME. JUSTINE PETERSEN IMPLEMENTS FINANCIAL COUNSELING, STRATEGIES AND PRODUCTS INCLUDING BUDGETING, FINANCIAL EDUCATION, LOAN COUNSELING AND HOMEBUYER EDUCATION TO ASSIST HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES AND NEGOTIATING WITH THEIR LENDER.
SAVINGS - JUSTINE PETERSEN BELIEVES THAT A STRONG CREDIT PROFILE IS ONE'S MOST IMPORTANT FINANCIAL ASSET AND OUR COUNSELORS TEACH HOW TO BUILD AND MAINTAIN A STRONG CREDIT PROFILE. IN 2024, 1,062...
SAVINGS - JUSTINE PETERSEN BELIEVES THAT A STRONG CREDIT PROFILE IS ONE'S MOST IMPORTANT FINANCIAL ASSET AND OUR COUNSELORS TEACH HOW TO BUILD AND MAINTAIN A STRONG CREDIT PROFILE. IN 2024, 1,062 LOW- AND MODERATE-INCOME INDIVIDUALS PARTICIPATED IN JUSTINE PETERSEN'S CREDIT BUILDING SERVICES. AS A LEADER IN THE CREDIT BUILDING AND FINANCIAL CAPABILITY FIELD, JUSTINE PETERSEN TEACHES FINANCIAL COUNSELORS ACROSS THE COUNTRY HOW TO OFFER CREDIT BUILDING SERVICES THROUGH OUT CREDIT BUILDING NATION INITIATIVE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $13,975,768 | $15,013,997 | -0.1% |
| Expenses | $12,861,272 | $11,788,764 | +0.1% |
| Net Income | $1,114,496 | $3,225,233 | -0.7% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| ALLAN D IVIE IV | TREASURER | 3.0 |
Officer
Director
|
$0 | $0 | $0 |
| EDDIE DAVIS | PRESIDENT | 3.0 |
Officer
Director
|
$0 | $0 | $0 |
| ROCHELLE BEA | SECRETARY | 3.0 |
Officer
Director
|
$0 | $0 | $0 |
| ANGELA BURRAGE | MEMBER | 2.0 |
Director
|
$0 | $0 | $0 |
| ROBERT BOYLE | CHIEF EXECUTIVE OFFICER | 40.0 |
Officer
|
$190,250 | $15,386 | $205,636 |
| SHERI FLANIGAN-VAZQUEZ | CHIEF OPERATING OFFICER | 40.0 |
Officer
|
$230,250 | $16,803 | $247,053 |
| AIDA RICHARDSON | CHIEF LENDING OFFICER | 40.0 |
Highest
|
$176,250 | $15,088 | $191,338 |
| ERIC OSTERBERG | DIRECTOR OR RESOURCE DEVELOPMENT / STAKEHOLDER ENGAGEMENT | 40.0 |
Highest
|
$103,250 | $0 | $103,250 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | $13,975,768 | $12,861,272 | $86,298,350 | $1,114,496 |
| 2023 | $15,013,997 | $11,788,764 | $73,969,952 | $3,225,233 |
| 2022 | $9,337,876 | $8,386,430 | $59,242,834 | $951,446 |
| 2021 | $7,649,655 | $5,817,969 | $49,338,747 | $1,831,686 |
| 2020 | $12,413,368 | $5,773,520 | $54,488,467 | $6,639,848 |
| 2019 | $4,782,117 | $5,550,635 | $30,246,509 | $-768,518 |
| 2018 | $5,666,871 | $5,571,441 | $28,848,589 | $95,430 |
Compare Justine Petersen Housing And Reinvestment Corporation with other nonprofits in Missouri and across the country.