St Joseph Housing Initiative

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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

2025-01-01 to 2025-12-31

St Joseph Housing Initiative, founded in 2018, is a small nonprofit in the Housing & Shelter sector that reported $805K in total revenue in fiscal year 2025. The organization ran a surplus of $403K, a strong 50% 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.

Program Service Accomplishments

Program 1

Expenses: $272,341 Revenue: $0

St. Joseph Housing Initiative provides safe, affordable housing for lower income families in St. Louis.

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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 $775,767

Program Service Revenue $0

Investment Income $53,121

Other Revenue $-23,424

TOTAL REVENUE $805,464

Expense Breakdown

Grants Paid $0

Salaries & Benefits $219,216

Fundraising Expenses $71,832

Program Expenses $272,341

Other Expenses $182,938

TOTAL EXPENSES $402,154

Year-over-Year Comparison

	2025	2024	Change
Revenue	$805,464	$766,133	+0.1%
Expenses	$402,154	$405,539	0.0%
Net Income	$403,310	$360,594	+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

Volunteers

207

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
Christy McCutcheon	Executive Director	40.00	Key Emp	$0	$0	$0
Jesse Wise	Chair	1.00	Officer Director	$0	$0	$0
Will Hartzler	Treasurer	1.00	Officer Director	$0	$0	$0
Fr Scott Scheiderer	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
David Dodson	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
Kyle Juvers	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	$805,464	$402,154	$2,616,523	$403,310
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