Crossroads for Women Inc (EIN 010473057) - 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

1974

Legal Domicile

Principal Officer

Shannon Trainor

Tax Period

2023-07-01 to 2024-06-30

Crossroads for Women Inc is a 501(c)(3) with EIN 010473057, based in Scarborough, ME. Founded in 1974, the organization files IRS Form 990 and reported its most recent data for fiscal year 2023. In that period, it reported $5,107,983 in total revenue and $5,018,558 in total expenses, with net assets of $172,799.

Mission

Crossroads provides gender-responsive addiction and behavioral health treatment services in a safe and respectful environment so individuals and families can lead healthy lives.

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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 $973,419

Program Service Revenue $4,136,400

Investment Income $-4,836

Other Revenue $3,000

TOTAL REVENUE $5,107,983

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,475,352

Fundraising Expenses $68,593

Program Expenses $4,192,765

Other Expenses $1,543,206

TOTAL EXPENSES $5,018,558

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,107,983	$4,626,086	+0.1%
Expenses	$5,018,558	$4,835,378	+0.0%
Net Income	$89,425	$-209,292	-1.4%

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

105

Volunteers

N/A

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

$275,406

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Shannon Trainor	Chief Executive Officer	40.00	Officer	$143,427	$7,569	$150,996
MaryAnne Roy	Chief Clinical Officer	40.00	Officer	$107,676	$16,734	$124,410
Joshua Murphy	Director	1.00	Director	$0	$0	$0
Jamie Clisham	Director	1.00	Director	$0	$0	$0
Kira Pridham	Secretary	2.00	Officer Director	$0	$0	$0
Emily Semenchuk	Board President	2.00	Officer Director	$0	$0	$0
Jolie Ritzo	Board Vice-President	2.00	Officer Director	$0	$0	$0
Geanette Treadway	Board Treasurer	2.00	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	$5,107,983	$5,018,558	$2,423,143	$89,425
2023	$4,626,086	$4,835,378	$2,281,862	$-209,292
2022	$4,007,213	$4,862,354	$1,919,885	$-855,141
2021	$4,741,104	$4,800,032	$2,533,087	$-58,928
2020	$5,393,054	$4,833,493	$3,133,355	$559,561
2019	$5,023,919	$4,826,012	$2,545,647	$197,907
2018	$4,290,627	$4,502,022	$2,241,965	$-211,395

Crossroads for Women Inc