Nonprofit · EIN 43-1769074
JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION
Tax-exempt · ST LOUIS, MO 63106
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $13,975,768 | $12,861,272 | $1,114,496 | $86,298,350 | $64,820,787 | $21,477,563 |
| December 31, 2023 | 990 | $15,013,997 | $11,788,764 | $3,225,233 | $73,969,952 | $53,027,486 | $20,942,466 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $8,092,633
- of which government grants
- $4,734,721
- Program service revenue
- $5,943,117
- Investment income
- $17,930
- Net rental income
- -$77,912
- Net gain from sales of assets
- $17,930
- Other revenue
- -$77,912
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $452,690
- Other salaries and wages
- $2,756,047
- Salaries, compensation and benefits (total)
- $4,018,401
- Professional fundraising fees
- $0
- Legal fees
- $41,155
- Accounting fees
- $301,891
- Occupancy
- $33,474
- Travel
- $42,188
- Depreciation
- $107,805
- Program services (functional)
- $12,045,899
- Management and general (functional)
- $562,043
- Fundraising (functional)
- $253,330
Balance sheet and other
- Total assets, start of year
- $73,969,952
- Total assets, end of year
- $86,298,350
- Total liabilities, end of year
- $64,820,787
- Net assets, end of year
- $21,477,563
- Land, buildings and equipment
- $10,310,235
- Net assets without donor restrictions
- $21,147,563
- Net assets with donor restrictions
- $330,000
- Gross receipts
- $14,358,749
- Employees
- 60
- Volunteers
- 23
- Year formed
- 1997
- State of legal domicile
- MO
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SHERI FLANIGAN-VAZQUEZ | CHIEF OPERATING OFFICER Officer | 40 | $230,250 | $16,803 |
| ROBERT BOYLE | CHIEF EXECUTIVE OFFICER Officer | 40 | $190,250 | $15,386 |
| AIDA RICHARDSON | CHIEF LENDING OFFICER Highest-paid employee | 40 | $176,250 | $15,088 |
| ERIC OSTERBERG | DIRECTOR OR RESOURCE DEVELOPMENT / STAKEHOLDER ENGAGEMENT Highest-paid employee | 40 | $103,250 | $0 |
| ALLAN D IVIE IV | TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| EDDIE DAVIS | PRESIDENT Trustee or director, Officer | 3 | $0 | $0 |
| ROCHELLE BEA | SECRETARY Trustee or director, Officer | 3 | $0 | $0 |
| ANGELA BURRAGE | MEMBER Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SHERI FLANIGAN-VAZQUEZ | CHIEF OPERATING OFFICER Officer | 40 | $227,550 | $27,265 |
| ROBERT BOYLE | CHIEF EXECUTIVE OFFICER Officer | 40 | $190,000 | $12,949 |
| AIDA RICHARDSON | CHIEF LENDING OFFICER Highest-paid employee | 40 | $183,000 | $7,510 |
| TRISTAN BROWN | IL Market Manager Highest-paid employee | 40 | $114,675 | $11,950 |
| SONIA SMITH | DIRECTOR OF FINANCE Highest-paid employee | 40 | $103,795 | $0 |
| ALLAN D IVIE IV | TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| EDDIE DAVIS | PRESIDENT Trustee or director, Officer | 3 | $0 | $0 |
| ROCHELLE BEA | SECRETARY Trustee or director, Officer | 3 | $0 | $0 |
| ANGELA BURRAGE | MEMBER Trustee or director | 2 | $0 | $0 |
| JACQUELINE HUTCHINSON | MEMBER Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1023 NGRAND BLVD, ST LOUIS, MO 63106-0000
- In care of
- % SHERI FLANIGAN-VAZQUEZ
- Principal officer (990 for 2024)
- ROBERT BOYLE, 1023 N Grand Blvd, Saint Louis, MO 63106
- Signed the 990
- SONIA SMITH, MEMBER
- Phone
- (314) 533-2411
- Website
- www.justinepetersen.org
- Return prepared by
- Forvis Mazars LLP
Mission
JUSTINE PETERSEN'S MISSION IS TO PROMOTE HOUSING, SAVINGS, AND ECONOMIC DEVELOPMENT OF LOW AND MODERATE INCOME FAMILIES TO BUILD ASSETS AND CREATE ENDURING CHANGE.
Program accomplishments
- TECHNICAL ASSISTANCE AND LENDING TO SMALL BUSINESSES AND MICRO-ENTERPRISES. AS THE NATION'S LARGEST SBA MICRO-LOAN INTERMEDIARY, JUSTINE PETERSEN BORROWS MONEY DIRECTLY FROM THE SBA AND ORIGINATES MICRO-ENTERPRISE LOANS UNDER $50,000 IN ACCORDANCE WITH ITS OWN UNDERWRITING GUIDELINES TO SMALL BUSINESS OWNERS THAT MAY NOT BE ABLE TO SECURE CAPITAL ELSEWHERE. JUSTINE PETERSEN PARTICIPATES IN THE USDA INTERMEDIARY RELENDING PROGRAM FOR ITS RURAL LENDING. JUSTINE PETERSEN AND ITS SUBSIDIARY, GREAT RIVERS COMMUNITY CAPITAL, ARE BOTH TREASURY-CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFI) AND ORIGINATE MICRO-ENTERPRISE AND SMALL BUSINESS LOANS. GEOGRAPHICALLY, JUSTINE PETERSEN/GREAT RIVERS CURRENTLY OFFER MICROENTERPRISE/SMALL BUSINESS LOANS IN 73 ILLINOIS AND 28 KANSAS COUNTIES AND THE ENTIRE STATE OF MISSOURI. IN 2024, JUSTINE PETERSEN AND ITS SUBSIDARY PROVIDED TECHNICAL ASSISTANCE AND ORIGINATED OVER $31.7 MILLION IN 857 MICRO-ENTERPRISE AND SMALL BUSINESS LOANS AND ORIGINATED OVER $1.2 MILLION IN 465 CONSUMER LOANS.Expenses $9,890,575 · revenue $5,883,135
- HOUSING - AS A HUD CERTIFIED HOUSING COUNSELING AGENCY, COUNSELORS ASSIST LOW TO MODERATE INCOME FAMILIES AND INDIVIDUALS TO ADDRESS CREDIT AND OTHER BARRIERS TO PURCHASING OR REFINANCING A HOME. JUSTINE PETERSEN IMPLEMENTS FINANCIAL COUNSELING, STRATEGIES AND PRODUCTS INCLUDING BUDGETING, FINANCIAL EDUCATION, LOAN COUNSELING AND HOMEBUYER EDUCATION TO ASSIST HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES AND NEGOTIATING WITH THEIR LENDER.Expenses $1,773,454
- SAVINGS - JUSTINE PETERSEN BELIEVES THAT A STRONG CREDIT PROFILE IS ONE'S MOST IMPORTANT FINANCIAL ASSET AND OUR COUNSELORS TEACH HOW TO BUILD AND MAINTAIN A STRONG CREDIT PROFILE. IN 2024, 1,062 LOW- AND MODERATE-INCOME INDIVIDUALS PARTICIPATED IN JUSTINE PETERSEN'S CREDIT BUILDING SERVICES. AS A LEADER IN THE CREDIT BUILDING AND FINANCIAL CAPABILITY FIELD, JUSTINE PETERSEN TEACHES FINANCIAL COUNSELORS ACROSS THE COUNTRY HOW TO OFFER CREDIT BUILDING SERVICES THROUGH OUT CREDIT BUILDING NATION INITIATIVE.Expenses $381,870
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 43-1769074
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (509(a)(2))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 1998
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Housing and shelter (L80)
- Assets (IRS master file)
- $86,298,350
- Income (IRS master file)
- $14,358,749
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $13,975,768 | $12,861,272 | $86,298,350 | XML |
| 990 | December 2023 | $15,013,997 | $11,788,764 | $73,969,952 | XML |
| 990 | December 2022 | $9,337,876 | $8,386,430 | $59,242,834 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 43-1769074).
Questions about JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION
- What is the EIN of JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION?
- The employer identification number (EIN) of JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION is 43-1769074.
- Is JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1998.
- Are donations to JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION?
- The 990 for the year ended December 31, 2024 names ROBERT BOYLE.
- Who are the officers and directors of JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION?
- The 990 for the year ended December 31, 2024 lists 8 people; 4 received compensation from the organization, the highest $230,250 (SHERI FLANIGAN-VAZQUEZ, CHIEF OPERATING OFFICER).
- How much revenue does JUSTINE PETERSEN HOUSING AND REINVESTMENT CORPORATION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $13,975,768, expenses of $12,861,272 and total assets of $86,298,350 at year end.
Other nonprofits in ST LOUIS
- BETHESDA SENIOR LIVING INC EIN 43-1494889 · last filed 990 for 2025
- CENTENNIAL HOUSING CORP EIN 43-1448868 · last filed 990 for 2025
- HYLTON POINT APARTMENTS INC EIN 43-1626161 · last filed 990 for 2025
- WASHINGTON UNIVERSITY EIN 43-0653611 · last filed 990 for 2025
- DELTA DENTAL OF MISSOURI EIN 43-0908349 · last filed 990 for 2024
- MID-AMERICA TRANSPLANT SERVICES EIN 23-7426306 · last filed 990 for 2024
- BETHESDA LONG TERM CARE INC EIN 43-1277070 · last filed 990 for 2025
- AREA RESOURCES FOR COMMUNITY AND HUMAN SERVICES EIN 31-1611583 · last filed 990 for 2025