MASTER GARDENERS ASSOCIATION OF CAPE COD INC (EIN 020631556) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

DEBBIE WEBSTER

Phone

5087373539

Tax Period

2023-12-01 to 2024-11-30

MASTER GARDENERS ASSOCIATION OF CAPE COD INC, founded in 2002, is a micro nonprofit in the Community Improvement sector that reported $79K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $13K, a strong 17% operating margin.

Mission

TO INCREASE KNOWLEDGE AND INTEREST IN GARDENING,HOTICULTURE AND RELATED TOPICS ON CAPE COD

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,752

Program Service Revenue $74,963

Investment Income $1,088

Other Revenue $0

TOTAL REVENUE $78,803

Expense Breakdown

Grants Paid $10,908

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $60,601

Other Expenses $54,597

TOTAL EXPENSES $65,505

Year-over-Year Comparison

	2023	2022	Change
Revenue	$78,803	$68,078	+0.2%
Expenses	$65,505	$75,536	-0.1%
Net Income	$13,298	$-7,458	-2.8%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE WEBSTER	PRESIDENT	10.00	Officer Director	$0	$0	$0
ABBY MENARD	TREASURER	10.00	Officer Director	$0	$0	$0
GARY BOWDEN	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
ALETHEA COZZI	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
TONIA ST GERMAIN	SECRETARY	3.00	Officer Director	$0	$0	$0
PAM HILL	DIRECTOR	3.00	Director	$0	$0	$0
MICHELLE BAKER	DIRECTOR	3.00	Director	$0	$0	$0
YASMINE MCNELLIS	DIRECTOR	3.00	Director	$0	$0	$0
BETTY MORSE	DIRECTOR	3.00	Director	$0	$0	$0
MARY RYAN	DIRECTOR	3.00	Director	$0	$0	$0
RUSSELL NORTON	DIRECTOR	3.00	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	$78,803	$65,505	$73,660	$13,298
2023	$68,078	$65,527	$70,371	$2,551
2022	$62,574	$42,327	$67,820	$20,247
2021	$32,878	$29,386	$47,573	$3,492
2020	$7,895	$21,617	$44,081	$-13,722
2019	$47,810	$51,989	$57,803	$-4,179
2018	$40,271	$29,775	$61,982	$10,496

MASTER GARDENERS ASSOCIATION OF CAPE COD INC