SJ SENIOR HOUSING INC (EIN 472188476) - 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

2014

Legal Domicile

Principal Officer

YITZCHOK ROKOWSKY

Phone

7329031955

Tax Period

2024-07-01 to 2025-06-30

SJ SENIOR HOUSING INC, founded in 2014, is a small nonprofit in the Housing & Shelter sector that reported $366K in total revenue in fiscal year 2024.

Mission

TO PROVIDE AFFORDABLE HOUSING TO ELDERLY LOW-INCOME INDIVIDUALS IN HOLYOKE, MASSACHUSETTS.

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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 $0

Program Service Revenue $365,673

Investment Income $0

Other Revenue $0

TOTAL REVENUE $365,673

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,600

Fundraising Expenses $0

Program Expenses $274,543

Other Expenses $261,610

TOTAL EXPENSES $390,210

Year-over-Year Comparison

	2024	2023	Change
Revenue	$365,673	$370,843	0.0%
Expenses	$390,210	$345,950	+0.1%
Net Income	$-24,537	$24,893	-2.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
YITZCHOK ROKOWSKY	PRESIDENT	0.50	Officer Director	$0	$0	$0
OSHER FLAGLER	TREASURER, CLERK	0.50	Officer Director	$0	$0	$0
ABRAHAM BRANDER	MEMBER	0.50	Director	$0	$0	$0
TZVI LEVOVITZ	MEMBER	0.50	Director	$0	$0	$0
CHAIM STEINBERG	MEMBER	0.50	Director	$0	$0	$0
ELI SEREBROWSKI	MEMBER	0.50	Director	$0	$0	$0
SHLOMO FREUNDLICH	MEMBER	0.50	Director	$0	$0	$0
TERI GALLAGHER	MEMBER	0.50	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	$365,673	$390,210	$1,521,290	$-24,537
2024	$370,843	$345,950	$1,538,513	$24,893
2023	$356,133	$355,723	$1,527,541	$410
2022	$308,345	$341,406	$1,515,484	$-33,061
2021	$315,829	$297,471	$1,554,174	$18,358
2020	$322,133	$327,324	$1,557,178	$-5,191
2019	$322,274	$272,096	$1,530,025	$50,178
2018	$314,279	$277,198	$1,471,197	$37,081

SJ SENIOR HOUSING INC