CAPSTONE COMMUNITY ACTION INC (EIN 030216254) - 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

1965

Legal Domicile

Principal Officer

ABBY WHITE

Phone

8024791053

Tax Period

2024-10-01 to 2025-09-30

CAPSTONE COMMUNITY ACTION INC, founded in 1965, is a mid-sized nonprofit in the Human Services sector that reported $24.7M in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $23.9M left a modest 3% surplus.

Mission

WE ARE DEDICATED TO CREATING RESILIENT HOUSEHOLDS AND COMMUNITIES AND TO ADVANCING JUSTICE IN SOCIAL ECONOMIC AND ENVIRONMENTAL POLICY. WE EMPOWER INDIVIDUALS WITH THE TOOLS AND RESOURCES TO MOVE BEYOND POVERTY. THROUGH ADVOCACY AND COMMUNITY COLLABORATION WE CHAMPION POSITIVE SOCIAL CHANGE. WE GUIDE PEOPLE TO HAVE A VOICE IN THEIR OWN TRANSFORMATION AND PROMOTE A VISION OF WHAT IS POSSIBLE.

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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 (2024)

Revenue Breakdown

Contributions & Grants $23,656,581

Program Service Revenue $948,955

Investment Income $116,342

Other Revenue $0

TOTAL REVENUE $24,721,878

Expense Breakdown

Grants Paid $6,283,827

Salaries & Benefits $13,202,761

Fundraising Expenses $94,622

Program Expenses $21,082,799

Other Expenses $4,402,017

TOTAL EXPENSES $23,888,605

Year-over-Year Comparison

	2024	2023	Change
Revenue	$24,721,878	$28,676,455	-0.1%
Expenses	$23,888,605	$28,184,565	-0.2%
Net Income	$833,273	$491,890	+0.7%

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

219

Volunteers

100

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

$254,339

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ABBY WHITE	CHAIR	1.00	Officer Director	$0	$0	$0
BARBARA MILLER	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
MOLLY MCFAUN	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
ROBERT MASON	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
JOHN TIGHE	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
MICHAEL GIAMMUSSO	TREASURER	1.00	Officer Director	$0	$0	$0
KAREN LOWRY REED	PRIVATE SECTOR REPRESENTAT	1.00	Director	$0	$0	$0
GINA AKLEY	PRIVATE SECTOR REPRESENTAT	1.00	Director	$0	$0	$0
JANET JANSEN MURRAY	SECRETARY	1.00	Officer Director	$0	$0	$0
NICK KRAMER	PRIVATE SECTOR REPRESENTAT	1.00	Director	$0	$0	$0
THOMAS GIVEN	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
REBECCA CLARKE	PARTICIPANT SECTOR REPRESE	1.00	Director	$0	$0	$0
COLLEEN LAFONT	CHIEF FINANCIAL OFFICER	40.00	Officer	$129,994	$5,549	$135,543
ALISON LYNDES-CALDERARA	EXECUTIVE DIRECTOR	40.00	Officer	$107,051	$11,745	$118,796
SARAH MCMULLEN	CHIEF OF OPERATIONS	40.00	Highest	$129,935	$5,137	$135,072
CHRISTY SWENSON	HEAD START DIRECTOR	40.00	Highest	$116,298	$13,260	$129,558
PAUL ZABRISKIE	WEATHERIZATION AND CLIMATE	40.00	Highest	$116,550	$1,964	$118,514
PHILIP CECCHINI	WX INTERIM DIRECTOR & AGEN	40.00	Highest	$119,633	$5,542	$125,175
DENISE BAILEY	DIRECTOR OF EQUITY, ENGAGEMENT, AND ADVOCACY	40.00	Highest	$109,405	$10,053	$119,458
SUSAN MINTER	EXECUTIVE DIRECTOR (FORMER)	40.00		$146,825	$22,314	$169,139

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
2025	$24,721,878	$23,888,605	$14,666,791	$833,273
2024	$28,676,455	$28,184,565	$14,566,744	$491,890
2023	$26,548,656	$25,380,355	$13,823,950	$1,168,301
2022	$20,533,492	$20,061,529	$12,354,025	$471,963
2021	$18,820,661	$17,735,982	$12,039,572	$1,084,679
2020	$16,370,682	$15,770,345	$12,760,181	$600,337
2019	$15,341,265	$15,079,387	$10,667,766	$261,878
2018	$15,003,590	$14,945,476	$10,349,697	$58,114

CAPSTONE COMMUNITY ACTION INC