ST STEPHEN HOUSING ASSOCIATION (EIN 943125444) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1990

Legal Domicile

Principal Officer

ANN ALLEN

Phone

2066389798

Tax Period

2025-01-01 to 2025-12-31

ST STEPHEN HOUSING ASSOCIATION, founded in 1990, is a small nonprofit that reported $869K in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. Net assets of $3.9M represent 53 months of operating reserves.

Mission

THE MISSION OF ST. STEPHEN HOUSING ASSOCIATION (SSHA) IS TO PROVIDE HOUSING AND SUPPORT SERVICES TO FAMILIES WITH CHILDREN EXPERIENCING THE CRISIS OF HOMELESSNESS TO ENABLE THEM TO MOVE TOWARD ECONOMIC STABILITY. WE WORK WITH FAMILIES TO HELP THEM FIND WAYS TO INCREASE THEIR INCOME AND REDUCE BARRIERS TO ATTAINING PERMANENT HOUSING, AIMING FOR THEM TO ACHIEVE STABILITY AND THE SKILLS NEEDED TO SUSTAIN THEIR HOUSING IN THE FUTURE. SSHA ALSO ASSISTS HOUSEHOLDS AT RISK OF HOMELESSNESS BY PROVIDING RENTAL ASSISTANCE.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $435,374

Program Service Revenue $348,999

Investment Income $84,744

Other Revenue $0

TOTAL REVENUE $869,117

Expense Breakdown

Grants Paid $101,273

Salaries & Benefits $397,663

Fundraising Expenses $36,036

Program Expenses $679,823

Other Expenses $345,094

TOTAL EXPENSES $848,999

Year-over-Year Comparison

	2025	2024	Change
Revenue	$869,117	$665,886	+0.3%
Expenses	$848,999	$660,691	+0.3%
Net Income	$20,118	$5,195	+2.9%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$102,314

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES JEYARAJ	PRESIDENT	0.50	Officer Director	$0	$0	$0
TERI AMBROZIC-SANTINI	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
BARB BROWNLOW	SECRETARY	0.50	Officer Director	$0	$0	$0
ERIC MILLER	TREASURER	0.50	Officer Director	$0	$0	$0
PAUL PASQUIER	BOARD MEMBER	7.00	Director	$0	$0	$0
ROCHELLE HERTEG	BOARD MEMBER	2.50	Director	$0	$0	$0
KAJAL RAM	BOARD MEMBER	2.50	Director	$0	$0	$0
SCOTT ROBERTS	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON DUNBAR	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBBIE DULLENTY	BOARD MEMBER	0.50	Director	$0	$0	$0
ENJOLI HARRIS	BOARD MEMBER	0.50	Director	$0	$0	$0
NATE THOMPSON	BOARD MEMBER	0.50	Director	$0	$0	$0
CHRIS JOHNSON	BOARD MEMBER	0.50	Director	$0	$0	$0
MICHAEL SANDERS	BOARD MEMBER UNTIL 11/1	0.50	Director	$0	$0	$0
ANN ALLEN	EXECUTIVE DIRECTOR	40.00	Officer	$102,314	$0	$102,314

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	$869,117	$848,999	$3,911,634	$20,118
2024	No data	No data	No data	No data
2023	$1,587,594	$774,567	$3,157,229	$813,027
2022	$1,461,087	$693,791	$2,403,420	$767,296
2021	$799,492	$500,495	$1,732,530	$298,997
2020	$394,810	$373,142	$1,422,372	$21,668

ST STEPHEN HOUSING ASSOCIATION