STEVENS SENIOR HOUSING OF LUDLOW INC (EIN 800651317) - 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

2010

Legal Domicile

Principal Officer

DOLORES SCOTT

Phone

4132331500

Tax Period

2024-07-01 to 2025-06-30

STEVENS SENIOR HOUSING OF LUDLOW INC, founded in 2010, is a small nonprofit in the Housing & Shelter sector that reported $278K in total revenue in fiscal year 2024. Expenses of $574K exceeded revenue, resulting in a 107% operating deficit.

Mission

STEVENS SENIOR HOUSING OF LUDLOW, INC. PRIMARY PURPOSE IS TO PRVODE ELDERLY PERSONS OF LOW AND VERY LOW INCOME WITH HOUSING FACILITIES AND SERVICES SPECIALLY DESIGNED TO MEET THEIR NEEDS.

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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 $274,845

Investment Income $2,963

Other Revenue $0

TOTAL REVENUE $277,808

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,250

Fundraising Expenses $0

Program Expenses $534,632

Other Expenses $518,138

TOTAL EXPENSES $574,388

Year-over-Year Comparison

	2024	2023	Change
Revenue	$277,808	$276,929	+0.0%
Expenses	$574,388	$595,758	0.0%
Net Income	$-296,580	$-318,829	-0.1%

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

$429,494

Total Directors

$429,494

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES SHERBO	PRESIDENT	1.00	Officer Director	$0	$0	$0
GEORGE D ROSA	TREASURER	1.00	Director	$0	$0	$0
PASCALE DESIR	SECRETARY	1.00	Officer Director	$0	$10,757	$174,335
DOLORES SCOTT	ASSISTANT CLERK	1.00	Officer Director	$0	$15,185	$113,353
MICHELLE M MCADARAGH	DIRECTOR	1.00	Officer Director	$0	$4,885	$141,806
JIM BRODERICK	DIRECTOR	1.00	Director	$0	$0	$0
JOCELYN J ZEPKE	DIRECTOR	1.00	Director	$0	$0	$0
ROSEMARY MORIN	DIRECTOR	1.00	Director	$0	$0	$0
PETER SERAFINO	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	$277,808	$574,388	$4,796,819	$-296,580
2024	$276,929	$595,758	$5,045,195	$-318,829
2023	$278,078	$574,541	$5,327,717	$-296,463
2022	$279,828	$553,746	$5,580,703	$-273,918
2021	$270,930	$561,848	$5,813,181	$-290,918
2020	$266,585	$538,862	$6,069,219	$-272,277
2019	$262,468	$505,704	$6,310,417	$-243,236
2018	$259,651	$505,511	$6,518,811	$-245,860

STEVENS SENIOR HOUSING OF LUDLOW INC