Community Service of Newburyport Inc (EIN 042104025) - 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

1912

Legal Domicile

Principal Officer

Barbara Oswald

Phone

9784657562

Tax Period

2024-10-01 to 2025-09-30

Community Service of Newburyport Inc, founded in 1912, is a small nonprofit in the Human Services sector that reported $373K in total revenue in fiscal year 2024. Expenses of $328K left a modest 12% surplus.

Mission

To provide the underserved residents of Newbury, Newburyport, and West Newbury with the economic & social services needed to prevent homelessness, support lifelong economic security, and promote youth development.

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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 $304,355

Program Service Revenue $0

Investment Income $46,908

Other Revenue $21,598

TOTAL REVENUE $372,861

Expense Breakdown

Grants Paid $59,998

Salaries & Benefits $140,138

Fundraising Expenses $19,838

Program Expenses $264,327

Other Expenses $127,716

TOTAL EXPENSES $327,852

Year-over-Year Comparison

	2024	2023	Change
Revenue	$372,861	$378,838	0.0%
Expenses	$327,852	$269,692	+0.2%
Net Income	$45,009	$109,146	-0.6%

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

$69,503

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Raymond Pillidge	Executive Director	24.00	Officer	$69,503	$0	$69,503
Barbara Oswald	President/Director	5.00	Officer Director	$0	$0	$0
Dick Bazirgan	Director	1.00	Director	$0	$0	$0
Mark Brandon	Director	1.00	Director	$0	$0	$0
Peggi Anne Brown	Director	1.00	Director	$0	$0	$0
Frank Cousins	Vice President/Director	3.00	Officer Director	$0	$0	$0
John Dodge	Director	1.00	Director	$0	$0	$0
Tracy Duford	Treasurer/Director	1.00	Officer Director	$0	$0	$0
Julie Ganong	Director	1.00	Director	$0	$0	$0
Christine Johnson	Director	1.00	Director	$0	$0	$0
James McGovern	Director	1.00	Director	$0	$0	$0
Robin O' Malley	Vice President/Director	3.00	Officer Director	$0	$0	$0
Katherine Pearson	Director	1.00	Director	$0	$0	$0
Donna Scott	Clerk/Director	1.00	Officer Director	$0	$0	$0
Lesa Scott	Director	1.00	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
2025	$372,861	$327,852	$1,050,567	$45,009
2024	$378,838	$269,692	$936,204	$109,146
2023	$219,418	$253,190	$801,563	$-33,772
2022	$271,119	$190,708	$797,313	$80,411
2021	$179,480	$218,747	$942,427	$-39,267
2020	$175,901	$149,041	$851,658	$26,860
2019	$205,964	$185,646	$844,530	$20,318
2018	$277,793	$189,659	$814,898	$88,134

Community Service of Newburyport Inc