St Stephen Housing Association

Nonprofit profile at a glance

EIN
943125444
IRS 990 coverage
2020–2025
Forms available
Form 990 2025
Location
Renton, WA, USA
Phone
2066389798
Rating
85
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$869,117
Expenses
$848,999
Assets
$3,911,634
Liabilities
$51,245

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

15 people listed

Executive titles in this filing

  • JAMES JEYARAJ (PRESIDENT)
  • TERI AMBROZIC-SANTINI (VICE PRESIDENT)
  • ANN ALLEN (EXECUTIVE DIRECTOR)

Highest reported compensation

  • ANN ALLEN (EXECUTIVE DIRECTOR): $102,314 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The mission of st. Stephen housing association (ssha) is to provide housing and support services to families with children experiencing the crisis of homelessness to enable them to move toward economic stability. We work with families to help them find ways to increase their income and reduce barriers to attaining permanent housing, aiming for them to achieve stability and the skills needed to sustain their housing in the future. Ssha also assists households at risk of homelessness by providing rental assistance.

What it reported doing in 2025

During 2025, st stephen housing association's family housing program (transitional housing) served 160 individuals (40 households) with housing and support services. 19 of 18 exiting families moved to a more permanent housing situation, or to a higher level of housing intervention. The housing stability program assisted 123 individuals (40 households) with rental or utility assistance to households in the county facing eviction or utility shut off.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 85% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 76
  • Transparency & Controls: 94
  • Accountability: 95
  • Sustainability: 52
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 80.3%; rating input score 80
  • Program expense ratio: 80.1%; rating input score 80
  • Fundraising efficiency: $12.08 raised per $1 spent on fundraising; rating input score 41; 41st percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 78th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 7 of 8 controls in place; rating input score 88
    • 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: Fail

Sustainability

  • Operating margin: 2.3%; rating input score 37; 37th percentile among comparable filings
  • Total-asset coverage ratio: 4.61; rating input score 83; 83rd percentile among comparable filings
  • Liabilities to assets ratio: 0.01; rating input score 58; 58th percentile among comparable filings
  • Officer compensation ratio: 12.1%; rating input score 32; 32nd percentile among comparable filings

Growth

  • Program expense growth: 12.2% per year; rating input score 100; 64th percentile among comparable filings
  • Revenue growth: 6.2% per year; rating input score 100; 44th percentile among comparable filings
  • Asset growth: 19% per year; rating input score 100; 77th percentile among comparable filings

Details

  • Where the money goes: 80.3% of revenue deployed · 80.1% of spending went to programs
  • Governance: 13 of 13 board members independent · 7 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $680K in reported program spending
  • Leadership: top reported pay $102K · 15 people listed
  • Consistency: 30 of 30 current checks pass
  • Schedules: 6 filed schedules · includes major donors and grants
  • Filing history: 6 filing years from 2020 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Financial Efficiency: Fundraising efficiency scored 41/100.
  • Moderate — Sustainability: Operating margin scored 37/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • Moderate — Sustainability: Officer compensation ratio scored 32/100.
  • Review — Sustainability: Liabilities to assets ratio scored 58/100.