ST JAMES PLAZA INC (EIN 562022904) - 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

1997

Legal Domicile

Principal Officer

ANGELA WHITE

Phone

3366441262

Tax Period

2023-10-01 to 2024-09-30

ST JAMES PLAZA INC, founded in 1997, is a small nonprofit in the Housing & Shelter sector that reported $274K in total revenue in fiscal year 2023. Expenses of $372K exceeded revenue, resulting in a 36% operating deficit.

Mission

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

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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 (2023)

Revenue Breakdown

Contributions & Grants $103,698

Program Service Revenue $167,597

Investment Income $1,361

Other Revenue $1,619

TOTAL REVENUE $274,275

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $326,996

Other Expenses $372,273

TOTAL EXPENSES $372,273

Year-over-Year Comparison

	2023	2022	Change
Revenue	$274,275	$263,340	+0.0%
Expenses	$372,273	$327,882	+0.1%
Net Income	$-97,998	$-64,542	+0.5%

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
THOMAS BROWN	DIRECTOR	1.00	Director	$0	$0	$0
EARTHA BUTLER	DIRECTOR	1.00	Director	$0	$0	$0
PEGGY CARR	DIRECTOR	1.00	Director	$0	$0	$0
KAREN HOWARD	DIRECTOR	1.00	Director	$0	$0	$0
JAY FORBES	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
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

ST JAMES PLAZA INC