St Joseph Housing Initiative (EIN 825345873) - 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

2018

Legal Domicile

Principal Officer

Christy McCutcheon

Phone

3144710282

Tax Period

2024-01-01 to 2024-12-31

St Joseph Housing Initiative, founded in 2018, is a small nonprofit in the Housing & Shelter sector that reported $766K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $361K, a strong 47% operating margin.

Mission

As a faith-based organization, our mission is to create vibrant communities through affordable quality housing where low and moderate income families can thrive, prosper and build wealth.

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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 $752,648

Program Service Revenue $0

Investment Income $60,011

Other Revenue $-46,526

TOTAL REVENUE $766,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $235,592

Fundraising Expenses $62,946

Program Expenses $272,953

Other Expenses $169,947

TOTAL EXPENSES $405,539

Year-over-Year Comparison

	2024	2023	Change
Revenue	$766,133	$897,089	-0.1%
Expenses	$405,539	$397,667	+0.0%
Net Income	$360,594	$499,422	-0.3%

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

202

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

$79,133

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Christy McCutcheon	Executive Director	40.00	Key Emp	$79,133	$0	$79,133
Kathy Siddens	Chair	1.00	Officer Director	$0	$0	$0
David Dodson	Treasurer	1.00	Officer Director	$0	$0	$0
Jesse Wise	Vice Chair	1.00	Officer Director	$0	$0	$0
Rev Mitchell Doyen	Director	1.00	Director	$0	$0	$0
Erika Ebsworth-Goold	Director	1.00	Director	$0	$0	$0
Michael F England	Director	1.00	Director	$0	$0	$0
Mildred Galvin	Director	1.00	Director	$0	$0	$0
Will Hartzler	Director	1.00	Director	$0	$0	$0
Lucy McCalpin	Director	1.00	Director	$0	$0	$0
Evelyn Sims	Director	1.00	Director	$0	$0	$0
Bridget Flood	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
2024	$766,133	$405,539	$2,213,335	$360,594
2023	$897,089	$397,667	$1,857,567	$499,422
2022	$536,792	$369,558	$1,362,507	$167,234
2021	$418,032	$285,373	$1,189,603	$132,659
2020	$485,865	$176,785	$1,070,590	$309,080
2019	$207,852	$116,258	$751,315	$91,594
2018	$699,912	$38,546	$667,272	$661,366

St Joseph Housing Initiative