The St Bernard Project INC FY2022 filing

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Shrinking time between disaster and recovery by creating housing opportunities so that disaster survivors can return to their homes and communities.

501(c)(3) charity; gifts are tax-deductible.
91¢ of each $1 spent went to programs.
$1.4M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2022 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 5
filings with a surplus
Average surplus $2.0M a year · 6% of revenue · last 5 filings
Fine: a surplus in 4 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
91%
of spending
Looks good: 91% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$1.4M
to officers and key staff · 4% of spending
Looks good: pay to officers and key staff is 4% of spending; 15% or less.
Pt VII · Sec A
2 mo
of spending, in cash
Plus $10.4M in investments, Pt X · Ln 11–13
Fine: 2.5 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $210K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$4.2M
12% of total assets
Looks good: liabilities are 12% of assets; 50% or less.
Pt X · Ln 26
Independent board members
16
of 17 voting members
Looks good: 16 of 17 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$36.3M
-4% vs prior year
Spent
$36.0M
To programs
91%
Net assets
$32.4M
By yearFY2020–FY2024
Revenue
$36.3M
FY2022▼ -4%
Tap a bar for its year
Revenue by fiscal year
FY2020$34.0M
FY2021$37.7M
FY2022$36.3M
FY2023$35.3M
FY2024$27.0M
Expenses
$36.0M
FY2022▲ +11%
Tap a bar for its year
Expenses by fiscal year
FY2020$30.7M
FY2021$32.5M
FY2022$36.0M
FY2023$35.8M
FY2024$25.2M
Net assets
$32.4M
FY2022▼ -0.5%
Tap a bar for its year
Net assets by fiscal year
FY2020$27.6M
FY2021$32.6M
FY2022$32.4M
FY2023$32.3M
FY2024$34.5M

From the FY2022 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2022 filing — not the latest on file. See the latest (FY2024) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in May 2008.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

91 cents of each dollar spent went to programs.

Program services 91% · $32.7M Management & general 7% · $2.4M Fundraising 2% · $898K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

23 people listed on the 990; $1.4M paid to officers and key staff.

Part VII, Section A · reportable compensation
Chief Executive Officer
$318,521Pt VII · Sec A
Chief Financial Officer
$224,318Pt VII · Sec A
Chief Strategy and Innovat
$210,472Pt VII · Sec A
Chief Operating Officer
$204,221Pt VII · Sec A
Chief Development Officer
$171,295Pt VII · Sec A
Board Chair
$152,764Pt VII · Sec A
Chief Recovery Officer
$149,105Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Zack Rosenburg’s $371K as Former Chief Executive Officer is at the 72nd percentile of top reported officer pay among 58 $10–100M public safety & disaster nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2024FY2023FY2022FY2021FY2020
Zack Rosenburg$370,796$319,146$318,521$339,027$301,841
Keith McCulloch$240,863$243,896$224,318$212,845$191,444
Reese May$240,000$225,863$210,472$190,887$190,116
Elizabeth McCartney$228,225$209,705$204,221$172,683$173,130
Thomas Corley$215,516—$149,105$144,516$137,524
Elizabeth Egle$193,678$181,439$171,295$162,363$156,062
Tim Brady$187,500————
Elizabeth Wright$187,128————

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See The St Bernard Project INC executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2Yes
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Rebuilds disaster-impacted communities by constructing affordable housing and training local governments and nonprofits to accelerate long-term recovery and preparedness efforts.

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3 programs · $32.7M · in their own filed words · FY2022
01

Rebuilding Program

Rebuild homes for senior citizens, people with disabilities and families with children who cannot afford to have their homes rebuilt by contractors. The organization has currently rebuilt approximately 576 homes.

$29.1Mprogram expense
02

Disaster Recovery Lab

Ensure that disaster-impacted citizens and communities recover in a prompt, efficient and predictable manner. Through disaster recovery lab, ST. Bernard project works to share lessons learned, prevent common barriers to recovery and help communities utilize ST.

$2.2Mprogram expense
03

Opportunity Housing

Create affordable homeownership opportunities for residents targeted between 50% and 80%, but up to 120%, of annual median income, while rehabilitating blighted properties and strengthening neighborhoods.

$1.4Mprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 1 funder$210K
Grants paid · 112 grants · $12.6M · 2020–2024
See all 112 grants →

Federal money

Single Audit · Federal Audit Clearinghouse · money spent from federal programs
Year ending Dec 2025 · $3.2M federal money spent
Americorps State and National 94.006AmeriCorps · ALN 94.006 · Direct$2.2M
Community Development Block Grants/State's Program and Non-Entitlement Grants in HawaiiDepartment of Housing and Urban Development · ALN 14.228 · Through City of Houston and 1 more$939K
Home Investment Partnerships ProgramDepartment of Housing and Urban Development · ALN 14.239 · Through City of New Orleans$79K
Older Adults Home Modification Grant ProgramDepartment of Housing and Urban Development · ALN 14.921 · Direct$59K
Hurricane Sandy Community Development Block Grant Disaster Recovery Grants (cdbg-Dr)Department of Housing and Urban Development · ALN 14.269 · Through Puerto Rico Department of Housing$12K

The auditor reported no findings.

Year ending Dec 2024 · $5.6M federal money spent
Community Development Block Grants/State's Program and Non-Entitlement Grants in HawaiiDepartment of Housing and Urban Development · ALN 14.228 · Through City of Houston and 1 more$3.3M
Americorps State and National 94.006AmeriCorps · ALN 94.006 · Direct$2.0M
Veterans Housing Rehabilitation and Modification ProgramDepartment of Housing and Urban Development · ALN 14.278 · Direct$186K
Older Adults Home Modification Grant ProgramDepartment of Housing and Urban Development · ALN 14.921 · Direct$108K
Hurricane Sandy Community Development Block Grant Disaster Recovery Grants (cdbg-Dr)Department of Housing and Urban Development · ALN 14.269 · Through Puerto Rico Department of Housing$23K

Plus 1 smaller program.

The auditor reported no findings.

Year ending Dec 2023 · $8.5M federal money spent
Community Development Block Grants/State's Program and Non-Entitlement Grants in HawaiiDepartment of Housing and Urban Development · ALN 14.228 · Through City of Columbia and 2 more$4.6M
AmericorpsAmeriCorps · ALN 94.006 · Direct$3.1M
Veterans Home Rehabilitation ProgramDepartment of Housing and Urban Development · ALN 14.278 · Direct$456K
Older Adults Home Modification Grant ProgramDepartment of Housing and Urban Development · ALN 14.921 · Direct$259K
Home Investment Partnerships ProgramDepartment of Housing and Urban Development · ALN 14.239 · Through City of New Orleans$3K

The auditor reported no findings.

Year ending Dec 2022 · $11.3M federal money spent
Community Development Block Grants/State's Program and Non-Entitlement Grants in HawaiiDepartment of Housing and Urban Development · ALN 14.228 · Through City of Columbia, South Carolina$7.3M
AmericorpsAmeriCorps · ALN 94.006 · Through Corporation for National and Community Service$2.8M
Hurricane Sandy Community Development Block Grant Disaster Recovery Grants (cdbg-Dr)Department of Housing and Urban Development · ALN 14.269 · Through Housing Trust Fund Corporation$574K
Home Investment Partnerships ProgramDepartment of Housing and Urban Development · ALN 14.239 · Through City of New Orleans$332K
Veterans Home Rehabilitation ProgramDepartment of Housing and Urban Development · ALN 14.278 · Direct$246K

Plus 1 smaller program.

The auditor reported no findings.

By the numbers

The FY2022 990, line by line.

1The main four
Money inPt VIII
$36.3M
Ln 12
Gifts and grantsLn 1h$34.6M
Fees for servicesLn 2g$881K
Other incomeLn 4–11$601K
Money outPt IX
$36.0M
Ln 25
Programscol B$32.7M
Managementcol C$2.4M
Fundraisingcol D$898K
Owns and owesPt X
$32.4M
net assets · Ln 32
Cash and savingsLn 1–2$7.5M
Total assetsLn 16$36.6M
LiabilitiesLn 26$4.2M
PeoplePt VI, VII
23
listed · VII A
PaidVII A7
Voting boardVI 1a17
IndependentVI 1b16
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$34.6M
Government grantsLn 1e$11.3M
Noncash giftsLn 1g$675K
Fees for servicesLn 2g$881K
Investment incomeLn 3$188K
Other incomeLn 4–11$601K
Gains on assetsLn 7−$129K
Total revenueLn 12$36.3M
Assets in detailPt X, end of year
CashLn 1$6.2M
SavingsLn 2$1.3M
Cash and savings togetherLn 1–2$7.5M
Pledges and grants receivableLn 3$6.3M
Accounts receivableLn 4$2.0M
Notes and loans receivableLn 7$2.3M
Prepaid expenses and deferred chargesLn 9$418K
Land, buildings, equipmentLn 10c$2.0M
InvestmentsLn 11–13$10.4M
Other assetsLn 15$5.6M
Total assetsLn 16$36.6M
LiabilitiesLn 26$4.2M
Net assetsLn 32$32.4M
OperationsPt I, VI
EmployeesI 5307
VolunteersI 611,912
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3More from this return
Abroad and in kindSch F, M
Noncash gifts receivedSch M Pt I$675K
4Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY22End FY22
Cash and savingsLn 1–2$10.8M$7.5M
InvestmentsLn 11–13$8.7M$10.4M
Land, buildings, equipmentLn 10c$1.0M$2.0M
Total assetsLn 16$36.3M$36.6M
LiabilitiesLn 26$3.7M$4.2M
Net assetsLn 32$32.6M$32.4M
5Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$2.8M$2.8M
Pay of current officers, directors and key staffLn 5$1.4M$859K$246K$326K
Other salaries and wagesLn 7$7.2M$5.3M$1.5M$390K
Pension plan contributionsLn 8$27K$19K$5K$3K
Payroll taxesLn 10$681K$622K$58K$87
Other fees for servicesLn 11g$1.9M$1.6M$221K$23K
Advertising and promotionLn 12$31K$19K$11K
Office expensesLn 13$146K$117K$6K$23K
Information technologyLn 14$101K$72K$26K$3K
OccupancyLn 16$758K$680K$54K$25K
TravelLn 17$714K$614K$90K$10K
Conferences, conventions and meetingsLn 19$15K$10K$5K$397
InterestLn 20$55K$43K$6K$5K
Depreciation, depletion and amortizationLn 22$68K$68K
InsuranceLn 23$1.2M$1.1M$126K$19K
Other expenses (24a–d)Ln 24$18.5M$18.4M$42K$56K
All other expensesLn 24e$449K$411K$23K$15K
Total functional expensesLn 25$36.0M$32.7M$2.4M$898K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 LatestFiled with the IRS Nov 17, 2025 $27.0M$25.2M$1.8M$34.5M 990 PDF
FY2023Filed with the IRS Dec 2, 2024 $35.3M$35.8M−$487K$32.3M 990 PDF
FY2022 ViewingFiled with the IRS Nov 15, 2023 $36.3M$36.0M$285K$32.4M 990 PDF
FY2021Filed with the IRS Nov 15, 2022 $37.7M$32.5M$5.1M$32.6M 990 PDF
FY2020Filed with the IRS Feb 8, 2022 $34.0M$30.7M$3.3M$27.6M 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support M · Noncash J · Pay O · Explanations
See the full FY2022 990 (6 parts)
Part I · Summary $36,316,622 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $35,283,802$34,645,840
I-9 Program service revenuePrior year $1,552,317$881,187
I-10 Investment incomePrior year $465,122$188,355
I-11 Other revenuePrior year $368,329$601,240
I-12 Total revenuePrior year $37,669,570$36,316,622
I-13 Grants and similar amounts paidPrior year $2,618,867$2,774,783
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $7,987,763$9,315,817
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $21,933,004$23,940,687
I-18 Total expensesPrior year $32,539,634$36,031,287
I-19 Revenue less expensesPrior year $5,129,936$285,335
Part VI · Governance 16 of 17 board members independent, 1 to look at
VI-1a Voting members of the governing body17
VI-1b Independent voting members16
VI-2 Family or business relationship among officers or directorsYes
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $36,316,622 across 9 lines filed
VIII-1e Government grants$11,292,578
VIII-1f All other contributions, gifts and grants$23,353,262
VIII-1g Noncash contributions (included above)$674,722
VIII-1h Total contributions, gifts and grants$34,645,840
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $881,187$881,187
VIII-3 Investment incomeExcluded from tax $317,640$317,640
VIII-7 Net gain or loss on sales of assetsExcluded from tax −$129,285−$129,285
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $601,240$601,240
VIII-12 Total revenueRelated to mission $1,482,427 · Unrelated business $0 · Excluded from tax $188,355$36,316,622
Part IX · Statement of functional expenses $36,031,287 across 17 lines filed
IX-1 Grants to domestic organizationsPrograms $2,774,783$2,774,783
IX-5 Pay of current officers, directors and key staffPrograms $858,930 · Management $246,127 · Fundraising $325,638$1,430,695
IX-7 Other salaries and wagesPrograms $5,275,592 · Management $1,511,727 · Fundraising $390,338$7,177,657
IX-8 Pension plan contributionsPrograms $19,041 · Management $5,076 · Fundraising $2,625$26,742
IX-10 Payroll taxesPrograms $622,241 · Management $58,395 · Fundraising $87$680,723
IX-11g Other fees for servicesPrograms $1,612,145 · Management $220,936 · Fundraising $22,653$1,855,734
IX-12 Advertising and promotionPrograms $19,323 · Management $11,296$30,619
IX-13 Office expensesPrograms $116,564 · Management $5,681 · Fundraising $23,488$145,733
IX-14 Information technologyPrograms $72,036 · Management $26,078 · Fundraising $2,984$101,098
IX-16 OccupancyPrograms $679,745 · Management $53,872 · Fundraising $24,848$758,465
IX-17 TravelPrograms $613,627 · Management $89,722 · Fundraising $10,151$713,500
IX-19 Conferences, conventions and meetingsPrograms $9,883 · Management $4,747 · Fundraising $397$15,027
IX-20 InterestPrograms $43,357 · Management $6,142 · Fundraising $5,293$54,792
IX-22 Depreciation, depletion and amortizationPrograms $67,920$67,920
IX-23 InsurancePrograms $1,071,726 · Management $126,189 · Fundraising $18,692$1,216,607
IX-24 Other expenses (24a–d)Programs $18,434,300 · Management $41,759 · Fundraising $56,178$18,532,237
IX-24e All other expensesPrograms $410,626 · Management $23,334 · Fundraising $14,995$448,955
IX-25 Total functional expensesPrograms $32,701,839 · Management $2,431,081 · Fundraising $898,367$36,031,287
Part X · Balance sheet $36,648,765 assets, 20 lines filed
X-1 Cash, non-interest-bearingStart of year $9,200,206$6,244,536
X-2 Savings and temporary cash investmentsStart of year $1,563,552$1,287,441
X-3 Pledges and grants receivableStart of year $3,747,751$6,309,684
X-4 Accounts receivableStart of year $3,097,152$2,016,004
X-7 Notes and loans receivableStart of year $4,873,319$2,349,315
X-9 Prepaid expenses and deferred chargesStart of year $247,676$418,074
X-10c Land, buildings and equipment, netStart of year $1,026,997$2,007,370
X-11 Publicly traded securitiesStart of year $7,091,500$7,490,314
X-12 Other securitiesStart of year $1,633,392$2,877,252
X-15 Other assetsStart of year $3,808,399$5,648,775
X-16 Total assetsStart of year $36,289,944$36,648,765
X-17 Accounts payable and accrued expensesStart of year $1,186,474$2,120,041
X-19 Deferred revenueStart of year $800,000$1,064,966
X-23 Secured mortgages and notes payableStart of year $1,522,000$680,743
X-25 Other liabilitiesStart of year $182,951$356,252
X-26 Total liabilitiesStart of year $3,691,425$4,222,002
X-27 Net assets without donor restrictionsStart of year $26,597,811$27,890,621
X-28 Net assets with donor restrictionsStart of year $6,000,708$4,536,142
X-32 Total net assets or fund balancesStart of year $32,598,519$32,426,763
X-33 Total liabilities and net assetsStart of year $36,289,944$36,648,765
Part XI · Reconciliation of net assets $32,426,763 net assets at year end
XI-1 Total revenue$36,316,622
XI-2 Total expenses$36,031,287
XI-3 Revenue less expenses$285,335
XI-4 Net assets at start of year$32,598,519
XI-5 Net unrealized gains (losses) on investments−$457,091
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$32,426,763

Form 990 e-file (XML) FY2022 from the IRS · Classification, formation year and address from the IRS Business Master File

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