ST LUKE HOMES INC

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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

1988

Legal Domicile

Principal Officer

CARI GUTHRIE

Phone

3017153673

Tax Period

2024-07-01 to 2025-06-30

ST LUKE HOMES INC, founded in 1988, is a small nonprofit that reported $228K in total revenue in fiscal year 2024. Expenses of $196K left a modest 14% surplus.

Mission

TO PROVIDE AFFORDABLE HOUSING TO THE ELDERLY AND PERSONS WHO SUFFER FROM DISABILITIES UNDER SECTION 811 OF THE NATIONAL AFFORDABLE HOUSING ACT.

Program Service Accomplishments

Program 1

Expenses: $137,993 Revenue: $227,864

ST. LUKE'S HOMES, INC. IS A MARYLAND CORPORATION ORGANIZED IN DECEMBER 1988 FOR THE PURPOSE OF CONSTRUCTING AND OPERATING HOUSING AND RELATED FACILITIES, WHICH CONSISTS OF 18 UNITS FOR PERSONS WHO...

ST. LUKE'S HOMES, INC. IS A MARYLAND CORPORATION ORGANIZED IN DECEMBER 1988 FOR THE PURPOSE OF CONSTRUCTING AND OPERATING HOUSING AND RELATED FACILITIES, WHICH CONSISTS OF 18 UNITS FOR PERSONS WHO ARE ELDERLY OR SUFFER FROM DISABILITIES. THE ENTITY WAS FINANCED THROUGH THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") UNDER SECTION 202 OF THE NATIONAL AFFORDABLE HOUSING ACT. SUCH ENTITIES ARE REGULATED BY HUD AS TO RENT CHARGES AND OPERATING METHODS.

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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 $0

Program Service Revenue $227,864

Investment Income $182

Other Revenue $0

TOTAL REVENUE $228,046

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $137,993

Other Expenses $196,363

TOTAL EXPENSES $196,363

Year-over-Year Comparison

	2024	2023	Change
Revenue	$228,046	$212,235	+0.1%
Expenses	$196,363	$206,676	0.0%
Net Income	$31,683	$5,559	+4.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARI GUTHRIE	PRESIDENT & BOARD CHAIR	0.10	Officer Director	$0	$0	$0
REBECCA MONZI	VICE PRESIDENT	0.10	Officer Director	$0	$0	$0
STANLEY ESTREMSKY	CHIEF FINANCIAL OFFICER	0.50	Officer Director	$0	$0	$0
MARK ROBINS	TREASURER	0.10	Officer Director	$0	$0	$0
LAWRENCE KOTCHEK	MEMBER	0.10	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	$228,046	$196,363	$418,359	$31,683
2024	$212,235	$206,676	$451,173	$5,559
2023	$170,799	$196,544	$467,043	$-25,745
2022	$198,118	$216,133	$472,290	$-18,015
2021	$188,097	$216,726	$479,184	$-28,629
2020	$191,934	$209,119	$501,212	$-17,185
2019	$188,893	$187,111	$512,714	$1,782
2018	$185,492	$181,692	$530,669	$3,800