MIDCOAST MAINE COMMUNITY ACTION (EIN 010315732) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1972

Legal Domicile

Principal Officer

CLAIRE BERKOWITZ

Phone

2074427963

Tax Period

2023-10-01 to 2024-09-30

MIDCOAST MAINE COMMUNITY ACTION is a 501(c)(3) with EIN 010315732, based in BATH, ME. Founded in 1972, the organization files IRS Form 990 and reported its most recent data for fiscal year 2023. In that period, it reported $9,130,705 in total revenue and $8,213,612 in total expenses, with net assets of $2,621,090.

Mission

TO EMPOWER INDIVIDUALS AND FAMILIES TO GAIN KNOWLEDGE AND SKILLS TO ACHIEVE SELF-SUFFICIENCY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $8,986,039

Program Service Revenue $17,500

Investment Income $150,237

Other Revenue $-23,071

TOTAL REVENUE $9,130,705

Expense Breakdown

Grants Paid $1,307,619

Salaries & Benefits $4,950,127

Fundraising Expenses $0

Program Expenses $7,343,675

Other Expenses $1,955,866

TOTAL EXPENSES $8,213,612

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,130,705	$7,693,474	+0.2%
Expenses	$8,213,612	$7,423,820	+0.1%
Net Income	$917,093	$269,654	+2.4%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

119

Volunteers

250

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$199,934

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLAIRE BERKOWITZ	EXECUTIVE DI	40.00	Officer	$116,370	$2,327	$118,697
LINDSAY MITCHELL	FINANCE DIRE	40.00	Officer	$79,644	$1,593	$81,237
RUSS ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
MARTI BOOTH	DIRECTOR	1.00	Director	$0	$0	$0
ANNE CHILDS	DIRECTOR	1.00	Director	$0	$0	$0
MONTE HAYNES	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
DIANE SMITH HOWARD	MEMBER AT LA	1.00	Director	$0	$0	$0
ABBY JONES	DIRECTOR	1.00	Director	$0	$0	$0
SARA KING	DIRECTOR	1.00	Director	$0	$0	$0
ABBY LOURIE	BOARD SECRET	1.00	Officer Director	$0	$0	$0
JESSICA MARCHESE	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD MCLEAN	BOARD TREASU	1.00	Officer Director	$0	$0	$0
IVORY MILLS	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE PHINNEY	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL PREBLE	DIRECTOR	1.00	Director	$0	$0	$0
SHARI SAGE	DIRECTOR	1.00	Director	$0	$0	$0
REBEKAH SOUSA	DIRECTOR	1.00	Director	$0	$0	$0
KRISTA VAN VLEET	DIRECTOR	1.00	Director	$0	$0	$0
AMY WINSTON	BOARD VICE C	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$9,130,705	$8,213,612	$6,056,063	$917,093
2023	$7,693,474	$7,423,820	$8,361,394	$269,654
2022	$11,574,149	$11,506,574	$6,787,633	$67,575
2021	$7,409,207	$7,479,503	$8,784,018	$-70,296
2020	$5,550,849	$5,542,232	$6,670,264	$8,617
2019	$5,773,303	$5,908,713	$4,483,525	$-135,410
2018	$5,506,175	$5,526,211	$4,353,355	$-20,036

MIDCOAST MAINE COMMUNITY ACTION