ST MARGARET INC (EIN 821663961) - 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

2017

Legal Domicile

Principal Officer

SISTER MARY ANNE OWENS SSND

Phone

9722411272

Tax Period

2024-01-01 to 2024-12-31

ST MARGARET INC, founded in 2017, is a small nonprofit in the Housing & Shelter sector that reported $598K in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $350K, a strong 58% operating margin.

Mission

TO HOLD CASH AND INVESTMENTS; TO PROVIDE LOANS AND LOAN GUARANTEES TO AFFILIATED ORGANIZATION; AND TO ASSIST AFFILIATED ORGANIZATIONS IN SECURING LONG TERM FINANCING OPTIONS. THESE FUNCATION ARE PART OF THE ORGANIZATION'S OVERALL MISSION, WHICH IS TO PROVIDE SAFE AFFORDABLE HOUSING TO VULNERABLE SENIORS AND FAMILIES AND IMPROVING THEIR QUALITY OF LIFE THROUGH COLLABORATION WITH SERVICE ORGANIZATIONS.

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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 $4,000

Program Service Revenue $0

Investment Income $594,477

Other Revenue $0

TOTAL REVENUE $598,477

Expense Breakdown

Grants Paid $39,500

Salaries & Benefits $163,935

Fundraising Expenses $0

Program Expenses $205,509

Other Expenses $45,308

TOTAL EXPENSES $248,743

Year-over-Year Comparison

	2024	2023	Change
Revenue	$598,477	$499,326	+0.2%
Expenses	$248,743	$193,127	+0.3%
Net Income	$349,734	$306,199	+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

$214,938

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHANNON ORTLEB	COO	8.00	Officer	$0	$0	$211,338
JOSEPH W DINGMAN	TREASURER	1.00	Officer	$0	$0	$3,600
ROCIO GARCIA	DIRECTOR	0.10	Director	$0	$0	$0
DAVID LEININGER	DIRECTOR	0.10	Director	$0	$0	$0
ANTHONY S LEVATINO	DIRECTOR	0.10	Director	$0	$0	$0
KEITH MANOY	DIRECTOR	0.10	Director	$0	$0	$0
SISTER MARY ANNE OWENS SSND	PRESIDENT	0.50	Officer Director	$0	$0	$0
SISTER KATHLEEN BAUER SSND	SECRETARY	0.50	Officer	$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	$598,477	$248,743	$13,457,598	$349,734
2023	$499,326	$193,127	$11,918,373	$306,199
2022	$545,377	$45,757	$10,661,475	$499,620
2021	$12,357	$33,077	$9,842,609	$-20,720
2020	$47,751	$29,520	$5,009,346	$18,231
2019	$68,435	$62,486	$4,744,844	$5,949
2018	$3,906,475	$60,000	$3,851,076	$3,846,475

ST MARGARET INC