Provide 20 subsidized apartment units for independent living seniors and disabled adults.

501(c)(3) charity; gifts are tax-deductible.
81¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2025 · 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
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
2 of 6
filings with a surplus
Average deficit $452 a year · under 1% of revenue · last 6 filings
Concern: a surplus in 2 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
81%
of spending
Looks good: 81% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
12 mo
of spending, in cash
Looks good: 11.9 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$1.3M
161% of total assets
Concern: liabilities are 161% of assets; over 80%.
Pt X · Ln 26
Independent board members
6
of 6 voting members
Looks good: 6 of 6 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$404K
+9% vs prior year
Spent
$368K
To programs
81%
Net assets
−$481K
By yearFY2020–FY2025
Revenue
$404K
FY2025▲ +9%
Tap a bar for its year
Revenue by fiscal year
FY2020$331K
FY2021$322K
FY2022$507K
FY2023$364K
FY2024$372K
FY2025$404K
Expenses
$368K
FY2025▼ -10%
Tap a bar for its year
Expenses by fiscal year
FY2020$443K
FY2021$340K
FY2022$356K
FY2023$385K
FY2024$409K
FY2025$368K
Net assets
−$481K
FY2025▲ +7%
Tap a bar for its year
Net assets by fiscal year
FY2020−$590K
FY2021−$608K
FY2022−$457K
FY2023−$478K
FY2024−$516K
FY2025−$481K

From the FY2025 Form 990 (year ending September 2025) · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Nov 1992.

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

Where the money goes

81 cents of each dollar spent went to programs.

Program services 81% · $297K Management & general 19% · $72K

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

7 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See St Croix Elderly Housing INC executive salaries →

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Questions the 990 asks

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

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Provides subsidized apartments for independent living seniors and disabled adults, expressing Christian love through service.

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1 program · $297K · in their own filed words · FY2024
01

To provide housing for low income seniors and disabled adults.

$297Kprogram expense

Funders

Who pays for it.

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

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$404K
Ln 12
Gifts and grantsLn 1h$351K
Other incomeLn 4–11$46K
Fees for servicesLn 2g$6K
Money outPt IX
$368K
Ln 25
Programscol B$297K
Managementcol C$72K
Owns and owesPt X
−$481K
net assets · Ln 32
Cash and savingsLn 1–2$365K
Total assetsLn 16$794K
LiabilitiesLn 26$1.3M
PeoplePt VI, VII
7
listed · VII A
PaidVII A0
Voting boardVI 1a6
IndependentVI 1b6
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$351K
Government grantsLn 1e$351K
Fees for servicesLn 2g$6K
Investment incomeLn 3$315
Other incomeLn 4–11$46K
Total revenueLn 12$404K
Assets in detailPt X, end of year
CashLn 1$37K
SavingsLn 2$328K
Cash and savings togetherLn 1–2$365K
Land, buildings, equipmentLn 10c$353K
Other assetsLn 15$2K
Total assetsLn 16$794K
LiabilitiesLn 26$1.3M
Net assetsLn 32−$481K
OperationsPt I, VI
EmployeesI 50
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$340K$365K
Land, buildings, equipmentLn 10c$394K$353K
Total assetsLn 16$815K$794K
LiabilitiesLn 26$1.3M$1.3M
Net assetsLn 32−$516K−$481K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Management feesLn 11a$21K$21K
Accounting feesLn 11c$5K$5K
Office expensesLn 13$7K$7K
OccupancyLn 16$96K$96K
InterestLn 20$15K$15K
Depreciation, depletion and amortizationLn 22$40K$40K
InsuranceLn 23$74K$74K
Other expenses (24a–d)Ln 24$109K$71K$38K
Total functional expensesLn 25$368K$297K$72K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $404K$368K$35K−$481K 990 PDF
FY2024 $372K$409K−$38K−$516K 990 PDF
FY2023 $364K$385K−$21K−$478K 990 PDF
FY2022 $507K$356K$151K−$457K 990 PDF
FY2021 $322K$340K−$18K−$608K 990 PDF
FY2020 $331K$443K−$112K−$590K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $403,546 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $305,169$351,486
I-9 Program service revenuePrior year $4,673$6,031
I-10 Investment incomePrior year $1,306$315
I-11 Other revenuePrior year $60,586$45,714
I-12 Total revenuePrior year $371,734$403,546
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $409,270$368,466
I-18 Total expensesPrior year $409,270$368,466
I-19 Revenue less expensesPrior year −$37,536$35,080
Part VI · Governance 6 of 6 board members independent, 1 to look at
VI-1a Voting members of the governing body6
VI-1b Independent voting members6
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
Part VIII · Statement of revenue $403,546 across 6 lines filed
VIII-1e Government grants$351,486
VIII-1h Total contributions, gifts and grants$351,486
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $6,031$6,031
VIII-3 Investment incomeRelated to mission $315$315
VIII-6 Net rental income or lossExcluded from tax $45,714$45,714
VIII-12 Total revenueRelated to mission $6,346 · Excluded from tax $45,714$403,546
Part IX · Statement of functional expenses $368,466 across 8 lines filed
IX-11a Management feesManagement $20,640$20,640
IX-11c Accounting feesManagement $5,300$5,300
IX-13 Office expensesManagement $7,494$7,494
IX-16 OccupancyPrograms $96,378$96,378
IX-20 InterestPrograms $14,975$14,975
IX-22 Depreciation, depletion and amortizationPrograms $40,234$40,234
IX-23 InsurancePrograms $74,166$74,166
IX-24 Other expenses (24a–d)Programs $70,975 · Management $38,304$109,279
IX-25 Total functional expensesPrograms $296,728 · Management $71,738 · Fundraising $0$368,466
Part X · Balance sheet $793,501 assets, 14 lines filed
X-1 Cash, non-interest-bearingStart of year $30,667$37,106
X-2 Savings and temporary cash investmentsStart of year $308,951$327,547
X-3 Pledges and grants receivableStart of year $27,880$27,856
X-4 Accounts receivableStart of year $406$342
X-9 Prepaid expenses and deferred chargesStart of year $51,261$45,424
X-10c Land, buildings and equipment, netStart of year $393,587$353,354
X-15 Other assetsStart of year $1,872$1,872
X-16 Total assetsStart of year $814,624$793,501
X-17 Accounts payable and accrued expensesStart of year $72,115$43,514
X-25 Other liabilitiesStart of year $21,028$16,819
X-26 Total liabilitiesStart of year $1,330,296$1,274,093
X-27 Net assets without donor restrictionsStart of year −$515,672−$480,592
X-32 Total net assets or fund balancesStart of year −$515,672−$480,592
X-33 Total liabilities and net assetsStart of year $814,624$793,501
Part XI · Reconciliation of net assets −$480,592 net assets at year end
XI-1 Total revenue$403,546
XI-2 Total expenses$368,466
XI-3 Revenue less expenses$35,080
XI-4 Net assets at start of year−$515,672
XI-10 Net assets at end of year−$480,592

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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