MOUNT ST JAMES HOUSING DEVELOPMENT FUND COMPANY INC (EIN 510244103) - 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

1973

Legal Domicile

Principal Officer

FREDRICK ZOLNA

Phone

3154241821

Tax Period

2023-01-01 to 2023-12-31

MOUNT ST JAMES HOUSING DEVELOPMENT FUND COMPANY INC, founded in 1973, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023.

Mission

LOW INCOME HOUSING PROJECT.

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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 $0

Program Service Revenue $1,146,864

Investment Income $2,700

Other Revenue $13,511

TOTAL REVENUE $1,163,075

Expense Breakdown

Grants Paid $0

Salaries & Benefits $248,591

Fundraising Expenses $0

Program Expenses $1,076,866

Other Expenses $985,514

TOTAL EXPENSES $1,234,105

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,163,075	$1,204,530	0.0%
Expenses	$1,234,105	$1,388,709	-0.1%
Net Income	$-71,030	$-184,179	-0.6%

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

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
FREDRICK ZOLNA	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID MICHEL	TREASURER	1.00	Officer Director	$0	$0	$0
CINDY FALISE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE SCHAEFER	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN SINDONI	BOARD MEMBER	1.00	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
2024	No data	No data	No data	No data
2023	$1,163,075	$1,234,105	$3,748,275	$-71,030
2022	$1,204,530	$1,388,709	$3,833,654	$-184,179
2021	$1,207,485	$1,409,635	$4,107,711	$-202,150
2020	$1,149,180	$1,424,025	$4,361,232	$-274,845
2019	$1,155,583	$1,354,993	$4,769,230	$-199,410
2018	$1,150,355	$1,253,754	$5,043,951	$-103,399

MOUNT ST JAMES HOUSING DEVELOPMENT FUND COMPANY INC