STEPPING STONE HOUSING INC (EIN 464169760) - 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

2013

Legal Domicile

Principal Officer

BRUCE A BACHELDER

Phone

2075636215

Tax Period

2025-01-01 to 2025-12-31

STEPPING STONE HOUSING INC, founded in 2013, is a small nonprofit in the Housing & Shelter sector that reported $838K in total revenue in fiscal year 2025. Revenue surged 95% from the prior year, signaling strong growth momentum. The organization ran a surplus of $540K, a strong 64% operating margin.

Mission

PROVISION OF LOW INCOME HOUSING THE MISSION OF STEPPING STONE HOUSING, INC. IS TO PROVIDE LOW INCOME HOUSING TO THE RESIDENTS OF LINCOLN COUNTY MAINE.

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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 $494,312

Program Service Revenue $87,843

Investment Income $8,716

Other Revenue $246,896

TOTAL REVENUE $837,767

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,905

Fundraising Expenses $33,421

Program Expenses $256,576

Other Expenses $240,590

TOTAL EXPENSES $297,495

Year-over-Year Comparison

	2025	2024	Change
Revenue	$837,767	$430,550	+0.9%
Expenses	$297,495	$206,748	+0.4%
Net Income	$540,272	$223,802	+1.4%

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

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

$42,769

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARILEE HARRIS	EXECUTIVE DIRECTOR	40.00	Officer	$42,769	$0	$42,769
CAROLYN NEIGHOFF	DIRECTOR	3.00	Director	$0	$0	$0
BRUCE BACHELDER	DIRECTOR & TREASURER	15.00	Officer Director	$0	$0	$0
LUCILE ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY TOLLEY	DIRECTOR & SECRETARY	5.00	Officer Director	$0	$0	$0
KAROL CLARK	DIRECTOR	1.00	Director	$0	$0	$0
KEN LYDECKER	DIRECTOR & PRESIDENT	8.00	Officer	$0	$0	$0
KAY WHITNER	DIRECTOR	2.00		$0	$0	$0
ANNIE GASTALDO	DIRECTOR & VP	2.00	Officer	$0	$0	$0
SUSAN DALE	DIRECTOR	2.00		$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	$837,767	$297,495	$2,855,773	$540,272
2024	$430,550	$206,748	$1,881,021	$223,802
2023	$349,191	$182,872	$1,567,835	$166,319
2022	$263,161	$146,517	$1,415,210	$116,644
2021	$303,768	$126,731	$1,220,382	$177,037
2020	$187,390	$90,407	$1,053,481	$96,983

STEPPING STONE HOUSING INC