MASSACHUSETTS MOTOR TRANSPORTATION ASSOCIATION (EIN 041640940) - 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

1917

Legal Domicile

Principal Officer

STEPHEN NORMANDIN

Phone

6175743399

Tax Period

2024-01-01 to 2024-12-31

MASSACHUSETTS MOTOR TRANSPORTATION ASSOCIATION, founded in 1917, is a small nonprofit that reported $278K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $253K left a modest 9% surplus.

Mission

SERVICES INCLUDE SAFETY LEGISLATION, CARGO SAFETY, INSURANCE, EDUCATIONAL PROGRAMS FOR MEMBERS, AND PROVIDING FORMS TO COMPLY WITH STATE AND FEDERAL REGULATIONS

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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 $244,307

Program Service Revenue $0

Investment Income $0

Other Revenue $33,767

TOTAL REVENUE $278,074

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $253,281

TOTAL EXPENSES $253,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$278,074	$247,140	+0.1%
Expenses	$253,281	$220,189	+0.2%
Net Income	$24,793	$26,951	-0.1%

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
JESSICA FRENCH	Director	0.00	Director	$0	$0	$0
JAKE COONEY	Director	0.00	Director	$0	$0	$0
JARED WARSOFSKY	Director	0.00	Director	$0	$0	$0
JEFF GOULET	Director	0.00	Director	$0	$0	$0
LARRY NOONAN	Director	0.00	Director	$0	$0	$0
SAMANTHA GREENBERG	Director	0.00	Director	$0	$0	$0
SPENSER GUAY	Director	0.00	Director	$0	$0	$0
H MICHAEL LASKO	Director	0.00	Director	$0	$0	$0
KEVIN HOLMES	Director	0.00	Director	$0	$0	$0
CHERYL SCHONDEK	Director	0.00	Director	$0	$0	$0
ANDREW GRANDONI	Director	0.00	Director	$0	$0	$0
DAVID WILLIS	Director	0.00	Director	$0	$0	$0
GLENN HARDING	Director	0.00	Director	$0	$0	$0
DEBORA BABIN KATZ	Director	0.00	Director	$0	$0	$0
WILL SPRING	Director	0.00	Director	$0	$0	$0
JOHN HAMEL	Director	0.00	Director	$0	$0	$0
ROLANDO CRUZ	1st VICE CHAIR	1.00	Officer	$0	$0	$0
WILLIAM O'BRIEN	Treasurer	1.00	Officer	$0	$0	$0
STEPHEN NORMANDIN	Secretary	1.00	Officer	$0	$0	$0
BRIAN GIROUX	2nd VICE CHAIR	1.00	Officer	$0	$0	$0
JOHN MCKENNA	PAST CHAIRMAN	1.00	Officer	$0	$0	$0
MARK GIUFFRE	ATA VP	0.00	Officer	$0	$0	$0
KATE KILLORY	CHAIRPERSON	1.00	Officer	$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	$278,074	$253,281	$209,152	$24,793
2023	$247,140	$220,189	$184,490	$26,951
2022	$225,424	$233,251	$160,366	$-7,827
2021	$220,732	$163,359	$168,193	$57,373
2020	$162,971	$164,184	$110,820	$-1,213
2020	$238,871	$164,184	$110,820	$74,687
2019	$187,477	$182,323	$36,133	$5,154
2018	$138,017	$151,768	$30,979	$-13,751

MASSACHUSETTS MOTOR TRANSPORTATION ASSOCIATION