St James Community Housing Corporation
St. James Community Housing Corporation: Consistent Revenue, Declining Assets
EIN: 222610180 · Pittsfield, MA · Updated: 2026-04-04
| Metric | Value |
|---|---|
| Total Expenses | $341K |
| Program Spending | 70% |
| Net Assets | $-546,090 |
| Transparency Score | 65/100 |
Is St James Community Housing Corporation Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
St James Community Housing Corporation directs 70% of its spending to programs. This meets the industry benchmark of 65% for efficient nonprofits.
About St James Community Housing Corporation
St James Community Housing Corporation (EIN: 222610180) is a nonprofit organization based in Pittsfield, MA. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of St James Community Housing Corporation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
St James Community Housing Corporation is a small nonprofit, with 6 years of IRS 990 filings on record (2011–2016). Revenue has grown at a compound annual rate of 0.6%.
Key Financial Metrics (2016)
From the most recent IRS 990 filing on record:
| Total Revenue | $325K |
| Total Expenses | $341K |
| Surplus / Deficit | $-16,514 |
| Total Assets | $879K |
| Total Liabilities | $1.4M |
| Net Assets | $-546,090 |
| Operating Margin | -5.1% |
| Debt-to-Asset Ratio | 162.1% |
| Months of Reserves | 30.9 months |
Financial Health Grade: C
In 2016, St James Community Housing Corporation reported a deficit of $17K with expenses exceeding revenue, holds 30.9 months of operating reserves (strong position), has a debt-to-asset ratio of 162.1% (high leverage).
Financial Trends
Over 6 years of filings (2011–2016), St James Community Housing Corporation's revenue has grown at a compound annual growth rate (CAGR) of 0.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2016 | +0.9% | +0.9% | -11.9% |
| 2015 | +0.9% | -0.8% | -2.7% |
| 2014 | +8.9% | +0.5% | -4.1% |
| 2013 | -6.6% | +0.3% | -5.7% |
| 2012 | -0.4% | -0.1% | -3.4% |
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates St James Community Housing Corporation with a Mission Score of 65 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 70%
- fundraising: 15%
According to IRS 990 filings, St James Community Housing Corporation allocates its expenses as follows: admin: 15%, programs: 70%, fundraising: 15%. Approximately 70% goes to programs, indicating moderate mission focus.
Key Financial Metrics (2016)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $17K, with expenses exceeding revenue.
- Debt-to-asset ratio: 162.1%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, which is unusual for an organization of this size and suggests that compensation may be categorized differently or the organization is entirely volunteer-run.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of St James Community Housing Corporation's IRS 990 filings:
- Consistent decline in total assets over six years, from $1,174,883 in 2011 to $878,935 in 2016, without a clear explanation.
- 0% reported compensation across all years, which could obscure actual executive compensation if it's bundled into other expense lines.
- Expenses consistently exceed revenue, leading to a net loss each year (e.g., 2016 revenue $324,835 vs. expenses $341,349).
Strengths
The following positive indicators were identified for St James Community Housing Corporation:
- Stable revenue stream over six years, demonstrating consistent fundraising or grant income.
- Low liability-to-asset ratio, indicating a relatively healthy balance sheet despite asset decline.
- Consistent operational activity over a long period (2011-2016 filings available).
Frequently Asked Questions about St James Community Housing Corporation
Is St James Community Housing Corporation a legitimate charity?
St James Community Housing Corporation (EIN: 222610180) is a registered tax-exempt nonprofit based in Massachusetts. Our AI analysis gives it a Mission Score of 65/100. It has 6 years of IRS 990 filings on record. 3 red flags identified. 3 strengths noted. Financial health grade: C.
How does St James Community Housing Corporation spend its money?
St James Community Housing Corporation directs 70% of its spending to programs and services. Fundraising costs 15%. This meets the 65% industry benchmark.
Are donations to St James Community Housing Corporation tax-deductible?
St James Community Housing Corporation is registered as a tax-exempt nonprofit (EIN: 222610180). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of St James Community Housing Corporation's spending goes to programs?
St James Community Housing Corporation directs 70% to programs, 15% to fundraising. This meets the 65% industry benchmark for efficient nonprofits.
Where is St James Community Housing Corporation located?
St James Community Housing Corporation is headquartered in Pittsfield, Massachusetts and files with the IRS under EIN 222610180.
How many years of IRS 990 filings does St James Community Housing Corporation have?
St James Community Housing Corporation has 6 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends.
What does St James Community Housing Corporation do?
St James Community Housing Corporation is a nonprofit organization in the Unknown sector, located in Pittsfield, Massachusetts. It is classified under NTEE code Unknown.
How much revenue does St James Community Housing Corporation have?
St James Community Housing Corporation reported total revenue of N/A. Based on 6 IRS 990 filings on record.
What are St James Community Housing Corporation's total assets?
St James Community Housing Corporation holds total assets of N/A as reported in IRS 990 filings.
Where is St James Community Housing Corporation located?
St James Community Housing Corporation is based in Pittsfield, Massachusetts.
What is St James Community Housing Corporation's EIN?
St James Community Housing Corporation's Employer Identification Number (EIN) is 222610180. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is St James Community Housing Corporation?
St James Community Housing Corporation is classified under NTEE code Unknown (Unknown).
Is St James Community Housing Corporation a registered 501(c)(3)?
St James Community Housing Corporation appears in IRS records (EIN: 222610180). Check the IRS Tax Exempt Organization Search for the most current determination letter status.
Does St James Community Housing Corporation file IRS Form 990?
Yes, St James Community Housing Corporation has 6 IRS Form 990 filings on record. The most recent covers tax period 201612.
What was St James Community Housing Corporation's revenue in 2016?
In the 201612 filing period, St James Community Housing Corporation reported total revenue of $324,835, total expenses of $341,349, and net assets of $878,935.
Is St James Community Housing Corporation's revenue growing or declining?
St James Community Housing Corporation's revenue is relatively stable. Revenue went from $321,914 (201512) to $324,835 (201612), a +0.9% change. Based on 6 filings on record.
What is St James Community Housing Corporation's most recent 990 filing?
The most recent IRS Form 990 filing for St James Community Housing Corporation covers tax period 201612. It shows revenue of $324,835, expenses of $341,349, total assets of $878,935, and liabilities of $1,425,025.
How much does St James Community Housing Corporation spend on programs vs administration?
Based on IRS 990 analysis, St James Community Housing Corporation allocates approximately 70% of expenses to program services, 15% to administrative costs, and 15% to fundraising. Program spending is moderate relative to overhead.
Is St James Community Housing Corporation a trustworthy charity?
Based on AI analysis of IRS 990 data, St James Community Housing Corporation shows mixed signals. Mission Score: 65/100 (Good). 3 red flags identified. 3 strengths noted.
What are the red flags for St James Community Housing Corporation?
The following concerns were identified: Consistent decline in total assets over six years, from $1,174,883 in 2011 to $878,935 in 2016, without a clear explanation.. 0% reported compensation across all years, which could obscure actual executive compensation if it's bundled into other expense lines.. Expenses consistently exceed revenue, leading to a net loss each year (e.g., 2016 revenue $324,835 vs. expenses $341,349).. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are St James Community Housing Corporation's strengths?
Positive indicators for St James Community Housing Corporation include: Stable revenue stream over six years, demonstrating consistent fundraising or grant income.. Low liability-to-asset ratio, indicating a relatively healthy balance sheet despite asset decline.. Consistent operational activity over a long period (2011-2016 filings available).. These findings are derived from AI analysis of the organization's financial filings.
How does St James Community Housing Corporation compensate executives?
Executive compensation is reported as 0% across all available filings, which is unusual for an organization of this size and suggests that compensation may be categorized differently or the organization is entirely volunteer-run. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
Given the consistent revenue and expenses, what is driving the steady decline in total assets, and how is the organization sustaining operations with annual net losses?
The consistent decline in assets, despite stable revenue, suggests that the organization might be drawing down reserves or that depreciation of existing assets is not being offset by new acquisitions or capital improvements. The sustained operations with net losses could be due to non-cash expenses (like depreciation) or by liquidating assets to cover operational shortfalls.
How does St. James Community Housing Corporation manage to operate with 0% reported compensation, and what are the implications for its leadership structure and sustainability?
The 0% reported compensation could mean the organization is entirely volunteer-led, or that compensation is reported under 'other expenses' or through a related entity. If volunteer-led, it's a strength in terms of cost efficiency but could pose risks for long-term leadership stability and professional management. If compensation is hidden, it's a transparency concern.
Filing History
IRS 990 filing history for St James Community Housing Corporation showing financial trends over 6 years of public records:
Over 6 years of IRS 990 filings (2011–2016), St James Community Housing Corporation's revenue has grown by 3.1%, moving from $315K to $325K. Total assets decreased by 25.2% over the same period, from $1.2M to $879K. Total functional expenses rose by 0.8%, from $339K to $341K. In its most recent filing year (2016), St James Community Housing Corporation reported a deficit of $17K, with expenses exceeding revenue. The organization holds $1.4M in liabilities against $879K in assets (debt-to-asset ratio: 162.1%), resulting in net assets of $-546,090.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2016 | $325K | $341K | $879K | $1.4M | — | View 990 |
| 2015 | $322K | $338K | $998K | $1.5M | — | View 990 |
| 2014 | $319K | $341K | $1.0M | $1.5M | — | View 990 |
| 2013 | $293K | $339K | $1.1M | $1.6M | — | View 990 |
| 2012 | $314K | $338K | $1.1M | $1.6M | — | View 990 |
| 2011 | $315K | $339K | $1.2M | $1.6M | — | View 990 |
Year-by-Year Financial Summary
- 2016: Revenue of $325K, expenses of $341K, and assets of $879K (revenue +0.9% year-over-year).
- 2015: Revenue of $322K, expenses of $338K, and assets of $998K (revenue +0.9% year-over-year).
- 2014: Revenue of $319K, expenses of $341K, and assets of $1.0M (revenue +8.9% year-over-year).
- 2013: Revenue of $293K, expenses of $339K, and assets of $1.1M (revenue -6.6% year-over-year).
- 2012: Revenue of $314K, expenses of $338K, and assets of $1.1M (revenue -0.4% year-over-year).
- 2011: Revenue of $315K, expenses of $339K, and assets of $1.2M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for St James Community Housing Corporation:
Data Sources and Methodology
This transparency report for St James Community Housing Corporation is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.