St James Housing Trust Inc (EIN 742673160) - 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

1992

Legal Domicile

Principal Officer

Robert Arocha

Phone

2105344143

Tax Period

2024-01-01 to 2024-12-31

St James Housing Trust Inc, founded in 1992, is a small nonprofit in the Housing & Shelter sector that reported $264K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $312K exceeded revenue, resulting in a 18% operating deficit.

Mission

St. James Housing Trust, Inc.(The agency) is a 501(c)(3) non-profit charity organization incorporated in 1992 to assist low and moderate income families and individual, including elderly and disabled.

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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 $262,765

Investment Income $894

Other Revenue $0

TOTAL REVENUE $263,659

Expense Breakdown

Grants Paid $0

Salaries & Benefits $122,159

Fundraising Expenses $0

Program Expenses $312,182

Other Expenses $190,023

TOTAL EXPENSES $312,182

Year-over-Year Comparison

	2024	2023	Change
Revenue	$263,659	$280,092	-0.1%
Expenses	$312,182	$311,970	+0.0%
Net Income	$-48,523	$-31,878	+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
Robert Arocha	President	1.00	Officer Director	$0	$0	$0
Beatrice S Gallego	Founder And Vice President	1.00	Officer Director	$0	$0	$0
Christine Rodriguez	Secretary	1.00	Officer Director	$0	$0	$0
Annette M Hopkins	Treasurer	1.00	Officer Director	$0	$0	$0
Terry Hernandez	Board Member	1.00	Director	$0	$0	$0
Robert Urbanowiez	Board 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
2024	$263,659	$312,182	$521,585	$-48,523
2023	$280,092	$311,970	$589,443	$-31,878
2022	$218,054	$308,991	$579,390	$-90,937
2021	$220,363	$288,608	$679,702	$-68,245
2020	$230,698	$270,665	$741,650	$-39,967
2019	$220,978	$290,732	$783,335	$-69,754
2018	$228,220	$279,159	$850,728	$-50,939

St James Housing Trust Inc