STEPHENSON NON-PROFIT HOUSING CORPORATION (EIN 510153478) - 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

Principal Officer

JOEL PHILLIPO

Phone

9067534611

Tax Period

2024-07-01 to 2025-06-30

STEPHENSON NON-PROFIT HOUSING CORPORATION is a small nonprofit that reported $330K in total revenue in fiscal year 2024. Net assets of $818K represent 30 months of operating reserves.

Mission

SENIOR AND DISABLED CITIZENS LOW-INCOME HOUSING

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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 $126,805

Program Service Revenue $177,687

Investment Income $16,707

Other Revenue $8,440

TOTAL REVENUE $329,639

Expense Breakdown

Grants Paid $0

Salaries & Benefits $172,770

Fundraising Expenses $0

Program Expenses $296,969

Other Expenses $159,927

TOTAL EXPENSES $332,697

Year-over-Year Comparison

	2024	2023	Change
Revenue	$329,639	$318,747	+0.0%
Expenses	$332,697	$343,002	0.0%
Net Income	$-3,058	$-24,255	-0.9%

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

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
ALVIN ETELAMAKI	DIRECTOR	N/A	Director	$0	$0	$0
AL OCZUS	DIRECTOR	N/A	Director	$0	$0	$0
KEITH OLSON	DIRECTOR	N/A	Director	$0	$0	$0
CONNIE WESTRICH	DIRECTOR	N/A	Director	$0	$0	$0
DEBORAH CHEVALIER	VICE PRESIDE	N/A	Officer	$0	$0	$0
JOEL PHILLIPO	PRESIDENT	N/A	Officer	$0	$0	$0
KAREN RAETHER	SECRETARY	N/A	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
2025	$329,639	$332,697	$870,035	$-3,058
2024	$318,747	$343,002	$960,505	$-24,255
2023	$296,292	$365,731	$1,055,341	$-69,439
2022	$212,614	$317,372	$1,189,762	$-104,758
2021	$360,472	$308,424	$1,366,493	$52,048
2020	$243,193	$257,255	$1,371,227	$-14,062
2019	$254,418	$323,347	$1,454,175	$-68,929
2018	$248,388	$293,292	$1,504,559	$-44,904

STEPHENSON NON-PROFIT HOUSING CORPORATION