JUNIOR ACHIEVEMENT OF WESTERN MASSACHUSETTS INC (EIN 042088304) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1919

Legal Domicile

Principal Officer

AMIE MIARECKI

Phone

4137477670

Tax Period

2023-07-01 to 2024-06-30

JUNIOR ACHIEVEMENT OF WESTERN MASSACHUSETTS INC, founded in 1919, is a small nonprofit that reported $304K in total revenue in fiscal year 2023. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $363K exceeded revenue, resulting in a 19% operating deficit.

Mission

JUNIOR ACHIEVEMENT OF WESTERN MASSACHUSETTS IS PART OF THE WORLD'S LARGEST ORGANIZATION DEDICATED TO GIVING YOUNG PEOPLE THE KNOWLEDGE AND SKILLS THEY NEED TO OWN THEIR ECONOMIC SUCCESS, PLAN FOR THE FUTURE, AND MAKE SMART ACADEMIC AND ECONOMIC CHOICES. OUR FINANCIAL LITERACY, WORK READINESS AND ENTREPRENEURSHIP PROGRAMS EMPOWER STUDENTS TO MAKE A CONNECTION BETWEEN WHAT THEY LEARN IN SCHOOL AND HOW IT CAN BE APPLIED IN THE REAL WORLD. THIS ENHANCES THE RELEVANCE OF THEIR CLASSROOM LEARNING AND INCREASES THEIR UNDERSTANDING OF THE VALUE OF STAYING IN SCHOOL.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $232,108

Program Service Revenue $0

Investment Income $516

Other Revenue $71,416

TOTAL REVENUE $304,040

Expense Breakdown

Grants Paid $0

Salaries & Benefits $187,086

Fundraising Expenses $38,430

Program Expenses $270,800

Other Expenses $175,718

TOTAL EXPENSES $362,804

Year-over-Year Comparison

	2023	2022	Change
Revenue	$304,040	$484,053	-0.4%
Expenses	$362,804	$420,629	-0.1%
Net Income	$-58,764	$63,424	-1.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

279

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

$90,301

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRACEY ALVES-LEAR	CHAIR	1.00	Officer Director	$0	$0	$0
TERRELL ROSE-JOYNER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SUSAN FEARN	TREASURER	1.00	Officer Director	$0	$0	$0
CHERI MILLS	TREASURER PAST	1.00	Officer Director	$0	$0	$0
LENA BUTEAU	SECRETARY	1.00	Officer Director	$0	$0	$0
DARLENE LIBISZEWSKI	PREVIOUS CHAIR	1.00	Director	$0	$0	$0
PHIL GONCALVES	EXECUTIVE COMMITTEE MEMBER-AT-LARGE	1.00	Director	$0	$0	$0
ALBERT KASPER	EXECUTIVE COMMITTEE MEMBER-AT-LARGE	1.00	Director	$0	$0	$0
SCOTT DYNAK	BOARD MEMBER	1.00	Director	$0	$0	$0
JODIE GERULAITIS	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBRA LEONE	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY LORENZANO	BOARD MEMBER	1.00	Director	$0	$0	$0
PAUL NYCZ	BOARD MEMBER	1.00	Director	$0	$0	$0
DAWN QUERCIA	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA REILLY	BOARD MEMBER	1.00	Director	$0	$0	$0
DR KARA STEVENS	BOARD MEMBER	1.00	Director	$0	$0	$0
ALICIA VALENTINE	BOARD MEMBER	1.00	Director	$0	$0	$0
A'DIYANNA ZEIDEL	BOARD MEMBER	1.00	Director	$0	$0	$0
MYCHAL CONNOLLY SR	BOARD MEMBER	1.00	Director	$0	$0	$0
COREY CARON	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSEPH WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
KAYLA SOTO	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIN QUINN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK LAURENZANO	BOARD MEMBER	1.00	Director	$0	$0	$0
BENNETT SULLIVAN	BOARD MEMBER PAST	1.00	Director	$0	$0	$0
JENNIFER CONNOLLY	EXECUTIVE DIRECTOR PAST	40.00	Officer	$78,000	$2,870	$80,870
AMIE MIARECKI	EXECUTIVE DIRECTOR	40.00	Officer	$9,431	$0	$9,431

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	No data	No data	No data	No data
2024	$304,040	$362,804	$306,872	$-58,764
2023	$484,053	$420,629	$418,100	$63,424
2022	$404,989	$350,128	$260,866	$54,861
2021	$323,509	$345,281	$290,390	$-21,772
2020	$235,751	$504,375	$303,792	$-268,624
2019	$378,635	$552,187	$508,301	$-173,552
2018	$548,392	$505,932	$674,724	$42,460

JUNIOR ACHIEVEMENT OF WESTERN MASSACHUSETTS INC