WORCESTER MASONIC CHARITY & EDUCATIONAL ASSOCIATION (EIN 042004834) - 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

1846

Legal Domicile

Phone

5087529321

Tax Period

2025-01-01 to 2025-12-31

WORCESTER MASONIC CHARITY & EDUCATIONAL ASSOCIATION, founded in 1846, is a small nonprofit that reported $324K in total revenue in fiscal year 2025. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $129K, a strong 40% operating margin.

Mission

DUES ARE COLLECTED TO SUPPORT FRATERNAL, CHARITABLE AND EDUCATIONAL ACTIVITIES OF THE ORGANIZATION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $136,072

Program Service Revenue $0

Investment Income $185,596

Other Revenue $2,815

TOTAL REVENUE $324,483

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,368

Fundraising Expenses $0

Other Expenses $129,668

TOTAL EXPENSES $195,036

Year-over-Year Comparison

	2025	2024	Change
Revenue	$324,483	$180,427	+0.8%
Expenses	$195,036	$206,526	-0.1%
Net Income	$129,447	$-26,099	-6.0%

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

$22,405

Total Directors

$22,405

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT S BURNETT	Treasurer	25.00	Officer Director	$22,405	$0	$22,405
JOHN K ANDREWS	President	10.00	Officer Director	$0	$0	$0
DAVID RUSSELL	Vice President	10.00	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
2025	$324,483	$195,036	$1,078,756	$129,447
2024	$180,427	$206,526	$1,050,027	$-26,099
2023	$155,772	$187,109	$998,049	$-31,337
2022	$176,325	$184,556	$942,629	$-8,231
2021	$138,285	$158,454	$1,150,452	$-20,169
2020	$128,518	$145,847	$1,063,944	$-17,329
2019	$136,615	$160,680	$1,006,024	$-24,065
2018	$139,183	$145,032	$912,567	$-5,849

WORCESTER MASONIC CHARITY & EDUCATIONAL ASSOCIATION