SAINT PROVISION CDC (EIN 455190619) - 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

2012

Legal Domicile

Principal Officer

CHARLES MELLETTE

Phone

9107701494

Tax Period

2024-01-01 to 2024-12-31

SAINT PROVISION CDC, founded in 2012, is a micro nonprofit in the Human Services sector that reported $12K in total revenue in fiscal year 2024. Revenue fell 98% from the prior year — a significant decline worth monitoring. Expenses of $50K exceeded revenue, resulting in a 329% operating deficit.

Mission

SAINT PROVISION CDC IS A COMMUNITY DEVELOPMENT CORPORATION WHICH WAS FORMED TO SUPPORT OUR COMMUNITY FOR THE NEEDS OF AFTER SCHOOL CARE FOR CHILDREN WHO NEED THE GUIDANCE AND ASSISTANCE TO HELP THEM BECOME THE PERSON THEY STRIVE TO BE.

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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 $9,252

Program Service Revenue $2,521

Investment Income $0

Other Revenue $0

TOTAL REVENUE $11,773

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,312

Other Expenses $50,461

TOTAL EXPENSES $50,461

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,773	$529,835	-1.0%
Expenses	$50,461	$531,401	-0.9%
Net Income	$-38,688	$-1,566	+23.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC DEAN	PROGRAM COORDINATOR	10.00	Director	$0	$0	$0
CHARLES MELLETTE	PRESIDENT	10.00	Officer	$0	$0	$0
PATTI MELLETTE	TREASURER	5.00	Officer	$0	$0	$0
DONNA TAYLOR	SECRETARY	2.00	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	$11,773	$50,461	$33,741	$-38,688
2023	$529,835	$531,401	$72,430	$-1,566
2022	$515,689	$508,411	$78,380	$7,278
2021	$418,082	$540,725	$70,575	$-122,643
2020	$414,508	$388,185	$194,788	$26,323
2019	$419,804	$410,087	$63,017	$9,717
2018	$367,679	$354,625	$52,499	$13,054

SAINT PROVISION CDC