ST JAMES PLAZA 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

1997

Legal Domicile

Principal Officer

ANGELA WHITE

Phone

3366441262

Tax Period

2024-10-01 to 2025-09-30

ST JAMES PLAZA INC, founded in 1997, is a small nonprofit in the Housing & Shelter sector that reported $298K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $398K exceeded revenue, resulting in a 34% operating deficit.

Mission

TO ADVOCATE AND PROVIDE SAFE, SANITARY, AFFORDABLE HOUSING FOR VERY LOW INCOME ELDERLY PERSONS.

Program Service Accomplishments

Program 1

Expenses: $339,126 Revenue: $170,292

PROVIDING ADVOCACY SERVICES AND SAFE, SANITARY, AFFORDABLE HOUSING TO VERY LOW INCOME ELDERLY PERSONS BY OPERATING A 40-UNIT APARTMENT COMMUNITY PURSUANT TO SECTION 202 OF THE NATIONAL HOUSING ACT.

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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 $125,669

Program Service Revenue $170,292

Investment Income $1,437

Other Revenue $283

TOTAL REVENUE $297,681

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $339,126

Other Expenses $397,606

TOTAL EXPENSES $397,606

Year-over-Year Comparison

	2024	2023	Change
Revenue	$297,681	$274,275	+0.1%
Expenses	$397,606	$372,273	+0.1%
Net Income	$-99,925	$-97,998	+0.0%

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
ANGELA WHITE	PRESIDENT/SECRETARY	1.00	Officer Director	$0	$0	$0
ROBERT HOOKER	DIRECTOR	1.00	Director	$0	$0	$0
EARTHA BUTLER	DIRECTOR	1.00	Director	$0	$0	$0
KAREN HOWARD	DIRECTOR	1.00	Director	$0	$0	$0
JEAN ATKINSON	DIRECTOR	1.00	Director	$0	$0	$0
VALERIE RUCKER	DIRECTOR	1.00	Director	$0	$0	$0
DELLA OWENS	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA WILSON	DIRECTOR	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	$297,681	$397,606	$940,260	$-99,925
2024	$274,275	$372,273	$1,034,756	$-97,998
2023	$263,340	$327,882	$1,123,499	$-64,542
2022	$255,416	$344,066	$1,191,694	$-88,650
2021	$254,167	$351,710	$1,277,953	$-97,543
2020	$260,900	$312,014	$1,373,727	$-51,114
2019	$248,515	$328,104	$1,430,998	$-79,589
2018	$257,316	$298,393	$1,501,334	$-41,077