NEW ENGLAND RURAL HEALTH ASSOCIATION (EIN 010532229) - 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

1999

Legal Domicile

Principal Officer

LORA GERARD

Phone

8023249282

Tax Period

2022-07-01 to 2023-06-30

NEW ENGLAND RURAL HEALTH ASSOCIATION is a 501(c)(3) with EIN 010532229, based in RICHMOND, VT. Founded in 1999, the organization files IRS Form 990 and reported its most recent data for fiscal year 2022. In that period, it reported $2,239,140 in total revenue and $2,263,256 in total expenses, with net assets of $146,740.

Mission

TO IMPROVE THE HEALTH AND WELLNESS OF NEW ENGLAND'S RURAL COMMUNITIES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $2,134,668

Program Service Revenue $104,424

Investment Income $48

Other Revenue $0

TOTAL REVENUE $2,239,140

Expense Breakdown

Grants Paid $1,353,519

Salaries & Benefits $279,967

Fundraising Expenses $0

Program Expenses $2,091,043

Other Expenses $629,770

TOTAL EXPENSES $2,263,256

Year-over-Year Comparison

	2022	2021	Change
Revenue	$2,239,140	$1,306,112	+0.7%
Expenses	$2,263,256	$1,210,338	+0.9%
Net Income	$-24,116	$95,774	-1.3%

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

Volunteers

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

$69,811

Total Directors

$44,594

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORA GERARD	PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHAEL PANCOOK	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
WILLIAM ANDY LOWE	EXECUTIVE DIRECTOR	40.00	Officer Director	$44,594	$0	$44,594
KIRBY LECY	TREASURER	1.00	Officer Director	$0	$0	$0
LUCA FERNANDEZ	SECRETARY	1.00	Officer Director	$0	$0	$0
JEFFREY WALDRON	MEMBER AT LARGE	1.00	Officer Director	$0	$0	$0
TJ CLARKE II	TRUSTEE	0.50	Director	$0	$0	$0
ROBERTA DIFLORIO-ALEXANDER	TRUSTEE	0.50	Director	$0	$0	$0
JEFFREY DODGE	TRUSTEE	0.50	Director	$0	$0	$0
JUSTIN HAMRICK	TRUSTEE	0.50	Director	$0	$0	$0
STEPHEN MARTIN	TRUSTEE	0.50	Director	$0	$0	$0
MICAELA MAYNARD	TRUSTEE	0.50	Director	$0	$0	$0
SHARON O'CONNOR	TRUSTEE	0.50	Director	$0	$0	$0
KIM JASZLICS SAVERY	TRUSTEE	0.50	Director	$0	$0	$0
ANN TURNER	TRUSTEE	0.50	Director	$0	$0	$0
ALISON WARFEL	TRUSTEE	0.50	Director	$0	$0	$0
ELIZABETH WINTERBAUER	TRUSTEE	0.50	Director	$0	$0	$0
DR SUE WOODS	TRUSTEE	0.50	Director	$0	$0	$0
READ ALLEN	TRUSTEE UNTIL 12/22	0.50	Director	$0	$0	$0
MONICA BLANCHETTE	TRUSTEE UNTIL 12/22	0.50	Director	$0	$0	$0
MICHAEL HEBERT MSW MBA	TRUSTEE UNTIL 12/22	0.50	Director	$0	$0	$0
GERTRUDE O'SULLIVAN	TRUSTEE UNTIL 1/23	0.50	Director	$0	$0	$0
ANN M DAY	CHIEF OPERATING OFFICER	40.00	Officer	$25,217	$0	$25,217

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	No data	No data	No data	No data
2023	$2,239,140	$2,263,256	$732,305	$-24,116
2022	$1,306,112	$1,210,338	$747,385	$95,774
2021	$248,216	$292,254	$244,533	$-44,038
2020	$200,831	$219,904	$151,954	$-19,073
2018	$389,627	$379,999	$283,897	$9,628

NEW ENGLAND RURAL HEALTH ASSOCIATION