ST JOSEPH FINANCIAL SERVICES (EIN 832660738) - 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

Phone

2095855143

Tax Period

2024-10-01 to 2025-09-30

ST JOSEPH FINANCIAL SERVICES, founded in 2018, is a community nonprofit that reported $5.3M in total revenue in fiscal year 2024. Revenue surged 49% from the prior year, signaling strong growth momentum. Expenses of $4.9M left a modest 7% surplus.

Mission

St. Joseph Financial Services provides finance and accounting services and educational programs to Catholic organizations that are exempt under IRC 501(c)(3), delivering excellence in service, technology, and strategic financial thinking that empowers the leadership of these Catholic 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 $661,372

Program Service Revenue $4,600,654

Investment Income $1,797

Other Revenue $11,613

TOTAL REVENUE $5,275,436

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,856,422

Fundraising Expenses $0

Program Expenses $4,518,009

Other Expenses $1,071,443

TOTAL EXPENSES $4,927,865

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,275,436	$3,534,887	+0.5%
Expenses	$4,927,865	$4,294,625	+0.1%
Net Income	$347,571	$-759,738	-1.5%

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

N/A

Employees

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

$432,694

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA CANNELLA	Treasurer	40.00	Officer	$200,000	$26,584	$226,584
JONATHAN BOULOS	President	40.00	Officer	$174,669	$31,441	$206,110
GEOFFREY TURBIAK	N/A	40.00		$142,300	$28,072	$170,372
BRITTANY CARR	N/A	40.00		$146,149	$9,019	$155,168
ERIC KOEGLER	N/A	40.00		$125,091	$28,012	$153,103
JOHN SABLAN	N/A	40.00		$108,846	$14,329	$123,175
JACQUELYN NATALI	N/A	40.00		$102,583	$13,245	$115,828
BRENDAN MCGUIRE	Co-Chairman	0.00	Officer Director	$0	$0	$0
PATRICK DUPUIS	Co-Chairman	0.00	Officer Director	$0	$0	$0
STEPHEN MILLIGAN	Director	0.00	Director	$0	$0	$0
VERONICA ALONZA	Director	0.00	Director	$0	$0	$0
KATHLEEN RYAN	Director	0.00	Director	$0	$0	$0
NICHOLAS MOORE	Director	0.00	Director	$0	$0	$0
LETICIA OSEGUERA	Director	0.00	Director	$0	$0	$0
DAN WARMENHOVEN	Director	0.00	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	$5,275,436	$4,927,865	$480,546	$347,571
2024	$3,534,887	$4,294,625	$154,007	$-759,738
2023	$2,861,620	$3,642,253	$545,623	$-780,633
2022	$1,329,397	$1,503,237	$47,606	$-173,840
2021	$1,046,409	$1,051,585	$120,190	$-5,176

ST JOSEPH FINANCIAL SERVICES