ST CROIX FAMILY RESOURCE CENTER (EIN 475032696) - 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

2015

Legal Domicile

Principal Officer

CYNTHIA PARSONS

Phone

6512317807

Tax Period

2023-07-01 to 2024-06-30

ST CROIX FAMILY RESOURCE CENTER, founded in 2015, is a small nonprofit in the Housing & Shelter sector that reported $388K in total revenue in fiscal year 2023. Expenses of $331K left a modest 15% surplus.

Mission

PROVIDE COMPREHENSIVE COORDINATED SERVICES FOR LOW INCOME INDIVIDUALS AND FAMILIES WHO EXPERIENCE HOMELESSNESS OR ARE AT RISK OF HOMELESSNESS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $342,771

Program Service Revenue $41,392

Investment Income $4,230

Other Revenue $0

TOTAL REVENUE $388,393

Expense Breakdown

Grants Paid $24,797

Salaries & Benefits $272,356

Fundraising Expenses $38,175

Program Expenses $230,303

Other Expenses $33,890

TOTAL EXPENSES $331,043

Year-over-Year Comparison

	2023	2022	Change
Revenue	$388,393	$375,264	+0.0%
Expenses	$331,043	$359,863	-0.1%
Net Income	$57,350	$15,401	+2.7%

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

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

$72,311

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA PARSONS	EXECUTIVE DI	40.00	Officer	$72,311	$0	$72,311
MARGUERITE DEFORE	TREASURER	1.00	Officer Director	$0	$0	$0
CHERYL JOGGER	BOARD MEMBER	1.00	Director	$0	$0	$0
JEAN LARSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN RICHARDS	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
CATHERINE SOLHEIM	SECRETARY	1.00	Officer Director	$0	$0	$0
PAUL SPILSETH	BOARD MEMBER	1.00	Director	$0	$0	$0
EVELYN TEITELBAUM	BOARD VICE-C	1.00	Officer 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	No data	No data	No data	No data
2024	$388,393	$331,043	$401,231	$57,350
2023	$375,264	$359,863	$338,705	$15,401
2022	$374,903	$339,434	$320,593	$35,469
2021	$407,410	$293,817	$320,951	$113,593
2020	$312,254	$193,805	$190,730	$118,449

ST CROIX FAMILY RESOURCE CENTER