JUSTIN C STEWART HOUSING CORPORATION (EIN 870555595) - 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

1996

Legal Domicile

Principal Officer

MARION WILLEY

Phone

8013646117

Tax Period

2024-07-01 to 2025-06-30

JUSTIN C STEWART HOUSING CORPORATION, founded in 1996, is a small nonprofit in the Housing & Shelter sector that reported $174K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $210K exceeded revenue, resulting in a 21% operating deficit.

Mission

PROVIDE LOW INCOME HOUSING TO PERSONS WITH DISABILITIES

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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 $122,269

Program Service Revenue $51,132

Investment Income $195

Other Revenue $0

TOTAL REVENUE $173,596

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,958

Fundraising Expenses $0

Program Expenses $189,063

Other Expenses $190,595

TOTAL EXPENSES $209,553

Year-over-Year Comparison

	2024	2023	Change
Revenue	$173,596	$156,615	+0.1%
Expenses	$209,553	$227,627	-0.1%
Net Income	$-35,957	$-71,012	-0.5%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT SCHWAB	PRESIDENT	1.00	Officer Director	$0	$0	$0
CRAIG DEMORDAUNT	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
BIP DANIELS	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURA LEE DUARTE	BOARD MEMBER	1.00	Director	$0	$0	$0
MARION WILLEY	EXECUTIVE DI	1.00	Officer	$0	$0	$0
SHARON ABEGGLEN	SECRETARY/TR	1.00	Officer 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	$173,596	$209,553	$342,292	$-35,957
2024	$156,615	$227,627	$373,561	$-71,012
2023	$137,451	$183,998	$422,885	$-46,547
2022	$144,996	$156,560	$495,359	$-11,564
2021	$156,320	$161,476	$508,836	$-5,156
2020	$210,362	$154,683	$485,944	$55,679
2019	$135,409	$161,512	$451,759	$-26,103
2018	$323,730	$149,628	$484,125	$174,102

JUSTIN C STEWART HOUSING CORPORATION