St Xaviers Home
St Xaviers Home faces declining assets and increasing liabilities despite stable revenue.
EIN: 10440182 · Bangor, ME · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $353K |
| Total Expenses | $336K |
| Program Spending | 80% |
| Net Assets | $-2,465 |
| Transparency Score | 65/100 |
Is St Xaviers Home Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
St Xaviers Home directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About St Xaviers Home
St Xaviers Home (EIN: 10440182) is a nonprofit organization based in Bangor, ME. The organization reported total revenue of $353K and total assets of $1.1M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of St Xaviers Home's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
St Xaviers Home is a small nonprofit that has been operating for 80 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 1.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $306K |
| Total Expenses | $336K |
| Surplus / Deficit | $-30,616 |
| Total Assets | $1.2M |
| Total Liabilities | $1.2M |
| Net Assets | $-2,465 |
| Operating Margin | -10.0% |
| Debt-to-Asset Ratio | 100.2% |
| Months of Reserves | 42.7 months |
Financial Health Grade: C
In 2023, St Xaviers Home reported a deficit of $31K with expenses exceeding revenue, holds 42.7 months of operating reserves (strong position), has a debt-to-asset ratio of 100.2% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), St Xaviers Home's revenue has grown at a compound annual growth rate (CAGR) of 1.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +8.1% | -5.3% | -3.9% |
| 2022 | -6.6% | +19.4% | -6.9% |
| 2021 | +4.3% | +2.7% | -1.3% |
| 2020 | +4.0% | -7.9% | -2.2% |
| 2019 | +0.8% | +4.8% | -2.7% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1700 |
| IRS Ruling Date | 1946 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates St Xaviers Home 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: 80%
- fundraising: 5%
According to IRS 990 filings, St Xaviers Home allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $31K, with expenses exceeding revenue.
- Debt-to-asset ratio: 100.2%.
Executive Compensation Analysis
Executive compensation has consistently been reported as 0% across all available filings, indicating that no officers received compensation from the organization, which is highly favorable for donor trust and suggests a volunteer-led or very lean executive structure.
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 Xaviers Home's IRS 990 filings:
- Consistent decline in total assets over the past decade, from $1,599,258 in 2014 to $1,195,875 in 2023.
- Liabilities frequently exceed total assets in recent years (e.g., 2023: Liabilities $1,198,340 vs. Assets $1,195,875), indicating potential solvency issues.
- Operating deficits in multiple recent years (e.g., 2023: Expenses $336,243 vs. Revenue $305,627; 2022: Expenses $354,942 vs. Revenue $282,843).
Strengths
The following positive indicators were identified for St Xaviers Home:
- Consistent reporting of 0% officer compensation across all filings, indicating efficient use of funds at the executive level.
- Long history of consistent IRS 990 filings (13 filings), demonstrating transparency in reporting.
- Stable revenue generation over the past decade, generally around $275,000 - $300,000 annually.
Frequently Asked Questions about St Xaviers Home
Is St Xaviers Home a legitimate charity?
St Xaviers Home (EIN: 10440182) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 65/100. It has 13 years of IRS 990 filings on record. Total revenue: $353K. 3 red flags identified. 3 strengths noted. Financial health grade: C.
How does St Xaviers Home spend its money?
St Xaviers Home directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to St Xaviers Home tax-deductible?
St Xaviers Home is registered as a tax-exempt nonprofit (EIN: 10440182). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of St Xaviers Home's spending goes to programs?
St Xaviers Home directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is St Xaviers Home located?
St Xaviers Home is headquartered in Bangor, Maine and files with the IRS under EIN 10440182.
How many years of IRS 990 filings does St Xaviers Home have?
St Xaviers Home has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $353K in total revenue.
Is St Xaviers Home financially stable for the long term?
The organization shows a concerning trend of declining assets, from $1,599,258 in 2014 to $1,195,875 in 2023, and liabilities often exceeding assets in recent years. This suggests potential long-term financial instability.
How does St Xaviers Home allocate its expenses?
Without a detailed breakdown of program, administrative, and fundraising expenses in the provided data, it's challenging to precisely determine allocation. However, the consistent 0% officer compensation suggests a focus on minimizing executive overhead.
What is the reason for the declining asset base?
The provided data does not specify the reasons for the declining asset base. It could be due to asset depreciation, strategic asset sales, or operating deficits that draw down reserves. Further investigation into their balance sheets would be needed.
Filing History
IRS 990 filing history for St Xaviers Home showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), St Xaviers Home's revenue has grown by 19%, moving from $257K to $306K. Total assets increased by 62.2% over the same period, from $737K to $1.2M. Total functional expenses rose by 49.3%, from $225K to $336K. In its most recent filing year (2023), St Xaviers Home reported a deficit of $31K, with expenses exceeding revenue. The organization holds $1.2M in liabilities against $1.2M in assets (debt-to-asset ratio: 100.2%), resulting in net assets of $-2,465.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $306K | $336K | $1.2M | $1.2M | — | View 990 |
| 2022 | $283K | $355K | $1.2M | $1.2M | — | View 990 |
| 2021 | $303K | $297K | $1.3M | $1.2M | — | View 990 |
| 2020 | $290K | $289K | $1.4M | $1.3M | — | View 990 |
| 2019 | $279K | $314K | $1.4M | $1.3M | — | View 990 |
| 2018 | $277K | $300K | $1.4M | $1.3M | — | View 990 |
| 2017 | $277K | $263K | $1.5M | $1.3M | — | View 990 |
| 2016 | $275K | $264K | $1.6M | $1.4M | — | View 990 |
| 2015 | $292K | $259K | $1.6M | $1.5M | — | View 990 |
| 2014 | $290K | $247K | $1.6M | $1.5M | — | View 990 |
| 2013 | $268K | $272K | $732K | $681K | — | View 990 |
| 2012 | $256K | $216K | $749K | $694K | — | View 990 |
| 2011 | $257K | $225K | $737K | $722K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $306K, expenses of $336K, and assets of $1.2M (revenue +8.1% year-over-year).
- 2022: Revenue of $283K, expenses of $355K, and assets of $1.2M (revenue -6.6% year-over-year).
- 2021: Revenue of $303K, expenses of $297K, and assets of $1.3M (revenue +4.3% year-over-year).
- 2020: Revenue of $290K, expenses of $289K, and assets of $1.4M (revenue +4.0% year-over-year).
- 2019: Revenue of $279K, expenses of $314K, and assets of $1.4M (revenue +0.8% year-over-year).
- 2018: Revenue of $277K, expenses of $300K, and assets of $1.4M (revenue +0.0% year-over-year).
- 2017: Revenue of $277K, expenses of $263K, and assets of $1.5M (revenue +0.5% year-over-year).
- 2016: Revenue of $275K, expenses of $264K, and assets of $1.6M (revenue -5.8% year-over-year).
- 2015: Revenue of $292K, expenses of $259K, and assets of $1.6M (revenue +0.9% year-over-year).
- 2014: Revenue of $290K, expenses of $247K, and assets of $1.6M (revenue +8.2% year-over-year).
- 2013: Revenue of $268K, expenses of $272K, and assets of $732K (revenue +4.5% year-over-year).
- 2012: Revenue of $256K, expenses of $216K, and assets of $749K (revenue -0.2% year-over-year).
- 2011: Revenue of $257K, expenses of $225K, and assets of $737K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for St Xaviers Home:
Data Sources and Methodology
This transparency report for St Xaviers Home 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.