ST JOACHIM HOUSE 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

1993

Legal Domicile

Principal Officer

William J McCarthy Jr

Phone

6676003216

Tax Period

2021-07-01 to 2022-06-30

ST JOACHIM HOUSE INC, founded in 1993, is a community nonprofit in the Health Care sector that reported $5.8M in total revenue in fiscal year 2021. Revenue surged 452% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.6M, a strong 97% operating margin.

Mission

The organization is affiliated with Associated Catholic Charities, Inc. (ACC) whose mission is "Inspired by the Gospel mandates to love, serve and teach, Catholic Charities provides care and services to improve the lives of Marylanders in need."

Program Service Accomplishments

Program 1

Expenses: $158,657 Revenue: $5,758,286

To provide affordable, supportive communities for older adults with a resolve to nurture a spirit of purpose, wellness, and harmony among both our residents and colleagues.

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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 (2021)

Revenue Breakdown

Contributions & Grants $110,282

Program Service Revenue $56,326

Investment Income $-222

Other Revenue $5,591,900

TOTAL REVENUE $5,758,286

Expense Breakdown

Grants Paid $0

Salaries & Benefits $54,851

Fundraising Expenses $0

Program Expenses $158,657

Other Expenses $119,536

TOTAL EXPENSES $174,387

Year-over-Year Comparison

	2021	2020	Change
Revenue	$5,758,286	$1,042,968	+4.5%
Expenses	$174,387	$1,070,240	-0.8%
Net Income	$5,583,899	$-27,272	-205.7%

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

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

$855,749

Total Directors

$462,275

Key Employees

$159,878

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
William J McCarthy Jr	Secretary	1	Officer Director	$0	$32,628	$462,275
Scott W Becker	Treasurer (through February 6, 2022)	1	Officer	$0	$30,371	$252,808
Mary Choplick	Director Senior Communities	1	Key Emp	$0	$28,145	$159,878
Aileen Tinney	Vice President	1	Officer	$0	$7,955	$140,666
Archbishop William E Lori	Chairman	1	Director	$0	$0	$0
Theresa D Becks	President	1	Officer Director	$0	$0	$0
J Scott Wilfong	Director	1	Director	$0	$0	$0
John Stanton	Director	1	Director	$0	$0	$0
Marianne Schmitt Hellauer	Director	1	Director	$0	$0	$0
Matthew D Gallagher	Director	1	Director	$0	$0	$0
Most Rev Adam Parker	Director	1	Director	$0	$0	$0
Pamela W Gray	Director	1	Director	$0	$0	$0
Paul J Bowie	Director	1	Director	$0	$0	$0
Tamla A Olivier	Director	1	Director	$0	$0	$0
Natalie McSherry	Director	1	Director	$0	$0	$0
Daniel Rizzo	Director	1	Director	$0	$0	$0
Sarah I Beckwith	Treasurer (started February 7, 2022)	1.00	Officer	$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
2022	$5,758,286	$174,387	$20,760	$5,583,899
2021	$1,042,968	$1,070,240	$3,139,267	$-27,272
2020	$940,082	$1,002,372	$3,154,554	$-62,290
2019	$862,091	$983,004	$3,185,325	$-120,913
2018	$853,202	$1,004,325	$3,331,213	$-151,123