ST LAWRENCE HOUSING INC (EIN 510530417) - 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

2004

Legal Domicile

Principal Officer

JAMES WAYNE

Phone

7278931314

Tax Period

2025-01-01 to 2025-12-31

ST LAWRENCE HOUSING INC, founded in 2004, is a small nonprofit that reported $766K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $970K exceeded revenue, resulting in a 27% operating deficit.

Mission

TO PROVIDE LOW RENT AND QUALITY AFFORDABLE HOUSING TO ELDERLY AND HANDICAPPED INDIVIDUALS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $520,912

Program Service Revenue $237,797

Investment Income $7,363

Other Revenue $59

TOTAL REVENUE $766,131

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,398

Fundraising Expenses $0

Program Expenses $878,799

Other Expenses $795,303

TOTAL EXPENSES $969,701

Year-over-Year Comparison

	2025	2024	Change
Revenue	$766,131	$669,284	+0.1%
Expenses	$969,701	$925,854	+0.0%
Net Income	$-203,570	$-256,570	-0.2%

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

$120,780

Total Directors

$120,780

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV EDWIN PALKA	PRESIDENT	1.00	Officer Director	$0	$0	$0
REV EMERY LONGANGA	MEMBER	1.00	Director	$0	$0	$0
JAMES WAYNE	TREASURER	1.00	Officer Director	$0	$10,742	$120,780
MARGARET ROGERS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
REV JAMES RUHLIN	MEMBER	1.00	Director	$0	$0	$0
REV WAYNE GENEREUX	MEMBER	1.00	Director	$0	$0	$0
FR CHUCK DORNQUAST	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
2025	$766,131	$969,701	$3,660,142	$-203,570
2024	$669,284	$925,854	$3,898,774	$-256,570
2023	$667,946	$886,712	$4,119,800	$-218,766
2022	$570,672	$882,528	$4,326,116	$-311,856
2021	$571,613	$849,400	$4,641,430	$-277,787
2020	$564,482	$752,086	$4,971,809	$-187,604
2019	$526,604	$692,148	$5,097,670	$-165,544
2018	$530,433	$750,048	$5,248,603	$-219,615

ST LAWRENCE HOUSING INC