MT ST JOSEPH ASSOCIATION (EIN 510154138) - 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

1974

Legal Domicile

Principal Officer

Rita Lavelle

Phone

8474144520

Tax Period

2024-01-01 to 2024-12-31

MT ST JOSEPH ASSOCIATION, founded in 1974, is a small nonprofit that reported $275K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $430K exceeded revenue, resulting in a 56% operating deficit.

Mission

RAISE FUNDS FOR CRITICAL NEEDS THAT ARE BEYOND THE SCOPE OF THE MOUNT ST. JOSEPH OPERATING BUDGET.

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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 $107,990

Program Service Revenue $0

Investment Income $14,046

Other Revenue $153,352

TOTAL REVENUE $275,388

Expense Breakdown

Grants Paid $211,073

Salaries & Benefits $8,632

Fundraising Expenses $0

Program Expenses $384,481

Other Expenses $209,967

TOTAL EXPENSES $429,672

Year-over-Year Comparison

	2024	2023	Change
Revenue	$275,388	$241,484	+0.1%
Expenses	$429,672	$255,875	+0.7%
Net Income	$-154,284	$-14,391	+9.7%

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

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

$8,632

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rita Lavelle	President	20.00	Officer	$0	$0	$0
Ann Petersen	Vice President	10.00	Officer	$0	$0	$0
Ann Petersen	Secretary	10.00	Officer	$0	$0	$0
Steve Anichini	Board Member	10.00	Director	$0	$0	$0
Lisa Clements	Board Member	10.00	Director	$0	$0	$0
Debbie Conrad	Board Member	10.00	Director	$0	$0	$0
Mary Kay Everett	Board Member	10.00	Director	$0	$0	$0
Michael Fioretti	Board Member	10.00	Director	$0	$0	$0
Kevin Joyce	Board Member	10.00	Director	$0	$0	$0
Daniel O'Brien	Board Member	10.00	Director	$0	$0	$0
Marion Timmins	Board Member	10.00	Director	$0	$0	$0
Cynthia Peart	Treasurer	20.00	Officer	$8,632	$0	$8,632

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	$275,388	$429,672	$320,472	$-154,284
2023	$241,484	$255,875	$474,756	$-14,391
2022	$222,586	$166,666	$489,146	$55,920
2021	$174,975	$224,330	$433,226	$-49,355
2020	$226,017	$278,847	$482,581	$-52,830
2019	$184,695	$138,485	$535,411	$46,210

MT ST JOSEPH ASSOCIATION