ST ROSE CORPORATION (EIN 940831450) - 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

1906

Legal Domicile

Principal Officer

SR CYNTHIA CAMMACK

Phone

4154409568

Tax Period

2024-07-01 to 2025-06-30

ST ROSE CORPORATION, founded in 1906, is a small nonprofit that reported $450K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $593K exceeded revenue, resulting in a 32% operating deficit.

Mission

ST ROSE CORPORATION PROVIDES AFFORDABLE HOUSING AT ROSE COURT TO SENIORS AND LOW INCOME FAMILIES IN SAN FRANCISCO, CALIFORNIA.

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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 $6,500

Program Service Revenue $330,661

Investment Income $112,358

Other Revenue $0

TOTAL REVENUE $449,519

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,415

Fundraising Expenses $0

Program Expenses $565,711

Other Expenses $522,223

TOTAL EXPENSES $592,638

Year-over-Year Comparison

	2024	2023	Change
Revenue	$449,519	$415,961	+0.1%
Expenses	$592,638	$448,877	+0.3%
Net Income	$-143,119	$-32,916	+3.3%

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

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
CYNDIE CAMMACK OP	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
THOMAS E BERTELSEN JR	DIRECTOR	1.00	Director	$0	$0	$0
AMY BAYLEY RSM	DIRECTOR	1.00	Director	$0	$0	$0
PABLO BRAVO	DIRECTOR	1.00	Director	$0	$0	$0
VERONICA DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
CATHY DEBACK OP	DIRECTOR	1.00	Director	$0	$0	$0
LIZ KEITH	SECRETARY	1.00	Officer Director	$0	$0	$0
MAUREEN MCINERNEY OP	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE SWARTZ	DIRECTOR	1.00	Director	$0	$0	$0
CATHY MURRAY OP	CHAIRPERSON THROUGH 10/16/2024	2.00	Officer Director	$0	$0	$0
SULLY SCHAFER	CHIEF FINANCIAL AND OPERATING OFFICER	5.00	Officer	$0	$0	$0
ROBERT M WARWICK	CFO THROUGH 5/31/2025	5.00	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
2025	$449,519	$592,638	$5,759,508	$-143,119
2024	$415,961	$448,877	$5,681,669	$-32,916
2023	$389,442	$478,066	$5,429,794	$-88,624
2022	$359,697	$541,324	$5,327,368	$-181,627
2021	$377,538	$391,499	$5,854,580	$-13,961

ST ROSE CORPORATION