ST MICHAEL'S HOUSING INC (EIN 592312821) - 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

1982

Legal Domicile

Principal Officer

JAMES WAYNE

Phone

7278931314

Tax Period

2025-01-01 to 2025-12-31

ST MICHAEL'S HOUSING INC, founded in 1982, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025.

Mission

WE ARE A HUD SUBSIDIZED AND REGULATED APARTMENT COMPLEX. OUR MISSION IS TO PROVIDE AFFORDABLE HOUSING AND OTHER SERVICES TO LOW-INCOME ELDERLY AND/OR HANDICAPPED INDIVIDUALS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $863,040

Program Service Revenue $335,638

Investment Income $14,503

Other Revenue $5,335

TOTAL REVENUE $1,218,516

Expense Breakdown

Grants Paid $0

Salaries & Benefits $269,942

Fundraising Expenses $0

Program Expenses $1,130,054

Other Expenses $951,871

TOTAL EXPENSES $1,221,813

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,218,516	$1,174,672	+0.0%
Expenses	$1,221,813	$1,181,652	+0.0%
Net Income	$-3,297	$-6,980	-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

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

$120,780

Total Directors

$120,780

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REV EDWIN PALKA	PRESIDENT	1.00	Officer Director	$0	$0	$0
REV EMERY LONGANGA	MEMBER	1.00	Director	$0	$0	$0
JAMES WAYNE	TREASURER	1.00	Officer Director	$0	$10,742	$120,780
MARGARET ROGERS	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
REV JAMES RUHLIN	MEMBER	1.00	Director	$0	$0	$0
REV WAYNE GENEREUX	MEMBER	1.00	Director	$0	$0	$0
FR CHUCK DORNQUAST	MEMBER	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	$1,218,516	$1,221,813	$2,000,083	$-3,297
2024	$1,174,672	$1,181,652	$2,143,937	$-6,980
2023	$1,128,945	$1,155,832	$2,295,728	$-26,887
2022	$1,080,171	$2,089,172	$2,468,201	$-1,009,001
2021	$1,079,110	$1,037,790	$3,600,891	$41,320
2020	$1,055,298	$4,294,118	$3,682,566	$-3,238,820
2019	$1,035,029	$998,996	$2,611,059	$36,033
2018	$1,010,504	$992,272	$2,766,022	$18,232

ST MICHAEL'S HOUSING INC