Model Cities of St Paul Inc

What it reported doing in 2025

Model cities' service continuum creates pathways to move people from homelessness and poverty to housing stability and homeownership. Outcomes from 2025 demonstrate the following outcomes: provided services to 2,324 individuals across all programs.provided homeownership education, 1:1 advising, and financial coaching services to 544 individuals, reducing homeownership gaps and creating better pathways toward wealth creation and financial stability.served 1,598 adults at our safe space sheltermodel cities safe space shelter introduced a 7day bedreservation pilot that reduced daily access barriers and supported guests' work and appointment schedules.secured funding to launch a traumainformed homeownership accelerator program that will expand access to financial education, credit repair, and homebuyer readiness support for bipoc households.launched a new agency website designed to improve accessibility, elevate transparency, and better connect community members to programs, resources, and impact.increased awareness of model cities through a host of community events, media engagement, and national exposure, while deepening local partnerships that strengthen our mission and impact.our core offerings include the following: core program offeringsmodel cities' core program offerings are designed to support housing stability, economic mobility, and longterm selfsufficiency for individuals and families across saint paul. These services are delivered through an integrated continuum of housing, homeownership, financial wellness, shelter, and communitybased commercial development.housing support services (hss)addressing housing instability requires a wholeperson approach that responds to the diverse and interconnected needs of households. In 2025, model cities provided housing support services through the following programs: families first supportive housing (ffsh): ffsh provides permanent supportive housing to families experiencing homelessness, where one or more household members have a chronic disability and/or the head of household is in recovery from chemical dependency.sankofa supportive housing: sankofa provides permanent supportive housing to young adults ages 1725 who are pregnant or parenting a child under the age of three. Services focus on housing stability, parenting support, and longterm economic and personal development.homeownership servicesmodel cities offers a range of homeownership and financial capability services designed to help households successfully navigate the path to owning a home.home stretch homebuyer education: home stretch is an 8hour educational course offered in both weekday and weekend formats to accommodate varied schedules. The curriculum covers topics such as mortgage selection, preparing for closing, avoiding predatory practices, and understanding the homebuying process. Instruction is delivered through interactive discussions, multimedia resources, and presentations from volunteer professionals with expertise in housing, lending, and real estate.prepurchase counseling: prepurchase counseling provides individualized, oneonone support to households working toward homeownership. Homeownership advisors assess income, credit, debt, and employment history and collaborate with households to develop action plans to address barriers to homeownership.homeownership accelerator (developed 2025; launch planned march 2026): in 2025, model cities developed the homeownership accelerator, a structured, cohortbased program designed to deepen and accelerate support for households preparing to purchase a home. The accelerator builds upon existing education and counseling services by offering more intensive coaching, goal tracking, and coordinated financial readiness supports. The program is scheduled to launch in march 2026 and is intended to strengthen homeownership outcomes, particularly for households historically excluded from homeownership opportunities.fiscally fit: fiscally fit provides financial wellness educati

Financial Efficiency

• Mission deployment rate: 78.1%; rating input score 78
• Program expense ratio: 77.8%; rating input score 78
• Fundraising efficiency: $102.23 raised per $1 spent on fundraising; rating input score 88; 88th percentile among comparable filings

Transparency & Controls

• Consistency checks: 93.8%; rating input score 94; 21st percentile among comparable filings
• Pay-setting controls: Limited
• Foreign activity oversight: Limited
• Grant itemization coverage: 100%; rating input score 100; 75th percentile among comparable filings
• Major donor itemization: Yes; rating input score 100
• Related-party transparency: Limited

Accountability

• Independent voting board: 88.9%; rating input score 89; 21st percentile among comparable filings
• Governance controls: 8 of 8 controls in place; rating input score 100
  • Conflict-of-interest policy: Pass
  • Whistleblower policy: Pass
  • Document-retention policy: Pass
  • CEO compensation review process: Pass
  • Other executive compensation review process: NotApplicable
  • Form 990 shared with the board: Pass
  • Board meeting minutes documented: Pass
  • Audit committee oversight: Pass
  • Independent financial-statement audit: Pass

Sustainability

• Operating margin: -0.4%; rating input score 25; 25th percentile among comparable filings
• Total-asset coverage ratio: 2.04; rating input score 58; 58th percentile among comparable filings
• Liabilities to assets ratio: 0.49; rating input score 16; 16th percentile among comparable filings
• Officer compensation ratio: 4%; rating input score 64; 64th percentile among comparable filings

Growth

• Program expense growth: 0.6% per year; rating input score 100; 14th percentile among comparable filings
• Revenue growth: 2.8% per year; rating input score 100; 21st percentile among comparable filings
• Asset growth: -4.1% per year; rating input score 0; 4th percentile among comparable filings