ST AMBROSE HOUSING AID CENTER INC (EIN 521729460) - 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

GERARD JOAB

Phone

4103668362

Tax Period

2022-07-01 to 2023-06-30

ST AMBROSE HOUSING AID CENTER INC, founded in 1973, is a community nonprofit in the Housing & Shelter sector that reported $4.5M in total revenue in fiscal year 2022. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $4.2M left a modest 8% surplus.

Mission

TO FACILITATE AFFORDABLE HOUSING FOR INDIVIDUALS WITH LIMITED FINANCIAL RESOURCES LOCATED IN BALTIMORE CITY.

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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 (2022)

Revenue Breakdown

Contributions & Grants $3,079,440

Program Service Revenue $1,291,866

Investment Income $83,909

Other Revenue $74,567

TOTAL REVENUE $4,529,782

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,179,233

Fundraising Expenses $0

Program Expenses $3,217,060

Other Expenses $1,987,281

TOTAL EXPENSES $4,166,514

Year-over-Year Comparison

	2022	2021	Change
Revenue	$4,529,782	$3,623,979	+0.2%
Expenses	$4,166,514	$4,118,536	+0.0%
Net Income	$363,268	$-494,557	-1.7%

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

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

$71,984

Key Employees

$163,800

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEAH MASON-GRANT	VICE PRESIDENT	40.00	Director	$71,984	$0	$71,984
JOHN HENDERSON	TRUSTEE	1.00	Director	$0	$0	$0
SEEMA IYER	TRUSTEE	1.00	Director	$0	$0	$0
RAHN BARNES	TRUSTEE	1.00	Director	$0	$0	$0
KISHA FIELDS POWELL	TRUSTEE	1.00	Director	$0	$0	$0
RAMSEY HARRIS	TRUSTEE	1.00	Director	$0	$0	$0
JENNINE AUERBACH	TRUSTEE	1.00	Director	$0	$0	$0
PHIL CROSKEY	CHAIR OF BOARD	1.00	Officer	$0	$0	$0
JOHN ROBERTS	IMMEDIATE PAST CHAIR	1.00	Officer	$0	$0	$0
JAMES HOOK	TREASURER	1.00	Officer	$0	$0	$0
JOSEPH DUGAN	VICE CHAIR	1.00	Officer	$0	$0	$0
GERARD JOAB	PRESIDENT	40.00	Key Emp	$163,800	$0	$163,800
CHERYL HINTON	CFO	40.00	Highest	$100,055	$0	$100,055

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$4,529,782	$4,166,514	$10,645,146	$363,268
2022	$3,623,979	$4,118,536	$10,293,525	$-494,557
2021	$3,785,589	$3,887,334	$12,795,429	$-101,745
2020	$3,829,169	$3,922,438	$13,840,291	$-93,269
2019	$4,949,303	$4,147,763	$16,032,875	$801,540
2018	$3,823,078	$4,079,636	$15,761,535	$-256,558

ST AMBROSE HOUSING AID CENTER INC