ST JOSEPH GARDEN COURTS INC (EIN 562592660) - 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

2006

Legal Domicile

Principal Officer

GARY Q TESTER

Phone

2056395125

Tax Period

2024-07-01 to 2025-06-30

ST JOSEPH GARDEN COURTS INC, founded in 2006, is a small nonprofit that reported $681K in total revenue in fiscal year 2024. Expenses of $986K exceeded revenue, resulting in a 45% operating deficit.

Mission

INSPIRED BY THE TEACHINGS OF JESUS CHRIST, THE MISSION OF ST JOSEPH GARDEN COURTS IS TO PROVIDE AN INTEGRATED CONTINUUM OF QUALITY SOCIAL SERVICES, HOUSING, AND RESIDENTIAL CARE SERVICES FOR LOW INCOME SENIOR ADULTS.

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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 $673,881

Investment Income $4,707

Other Revenue $2,096

TOTAL REVENUE $680,684

Expense Breakdown

Grants Paid $0

Salaries & Benefits $270,438

Fundraising Expenses $0

Program Expenses $934,968

Other Expenses $715,443

TOTAL EXPENSES $985,881

Year-over-Year Comparison

	2024	2023	Change
Revenue	$680,684	$661,609	+0.0%
Expenses	$985,881	$969,661	+0.0%
Net Income	$-305,197	$-308,052	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

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

$171,591

Total Directors

$171,591

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GARY Q TESTER	EX OFFICIO/P	1.00	Officer Director	$0	$0	$171,591
RICK ASTA	CHAIR	1.00	Officer Director	$0	$0	$0
DEACON JOSEPH BELLISSIMO	DIRECTOR	1.00	Director	$0	$0	$0
KRISTOPHER CRUZADA	TREASURER	1.00	Officer Director	$0	$0	$0
KEVIN CASEY	EX OFFICIO	1.00	Director	$0	$0	$0
ROBERT DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT FERGERSON	EX OFFICIO	1.00	Director	$0	$0	$0
DCN RICHARD D FERRIS	DIRECTOR	1.00	Director	$0	$0	$0
JEFF HARTNETT	SECRETARY	1.00	Officer Director	$0	$0	$0
PEDRO LEON	VICE CHAIRPE	1.00	Officer Director	$0	$0	$0
FR JOHN BOSCO MAISON	DIRECTOR	1.00	Director	$0	$0	$0
ARLENE MCNAMEE	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MOSCRIP	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	$680,684	$985,881	$7,686,226	$-305,197
2024	$661,609	$969,661	$7,960,092	$-308,052
2023	$638,369	$951,454	$8,208,009	$-313,085
2022	$638,481	$811,103	$8,526,355	$-172,622
2021	$653,358	$789,326	$8,695,510	$-135,968
2020	$570,733	$771,750	$8,802,404	$-201,017
2019	$566,881	$861,838	$8,997,677	$-294,957
2018	$545,456	$764,619	$9,335,967	$-219,163

ST JOSEPH GARDEN COURTS INC