JEWISH FAMILY SERVICE OF WMASS (EIN 042104352) - 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

1915

Legal Domicile

Principal Officer

JAMESON GREENE

Phone

4137372601

Tax Period

2023-10-01 to 2024-09-30

JEWISH FAMILY SERVICE OF WMASS, founded in 1915, is a community nonprofit in the Human Services sector that reported $9.5M in total revenue in fiscal year 2023.

Mission

JEWISH FAMILY SERVICES OF WESTERN MASSACHUSETTS PROVIDES SOCIAL SERVICES TO INDIVIDUALS & FAMILIES FROM DIVERSE BACKGROUNDS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $7,591,410

Program Service Revenue $1,896,194

Investment Income $0

Other Revenue $47,809

TOTAL REVENUE $9,535,413

Expense Breakdown

Grants Paid $1,668,922

Salaries & Benefits $5,774,437

Fundraising Expenses $46,290

Program Expenses $8,201,612

Other Expenses $1,911,922

TOTAL EXPENSES $9,355,281

Year-over-Year Comparison

	2023	2022	Change
Revenue	$9,535,413	$8,850,939	+0.1%
Expenses	$9,355,281	$8,192,506	+0.1%
Net Income	$180,132	$658,433	-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

143

Volunteers

220

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

$426,127

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GAYLE REDIKER	VICE PRESIDENT	1.00	Director	$0	$0	$0
SUSAN GOLDMAN	SECRETARY	1.00	Director	$0	$0	$0
ELLEN FREYMAN	DIRECTOR	1.00	Director	$0	$0	$0
JOHNATHAN GOLDMAN	DIRECTOR	1.00	Director	$0	$0	$0
ZAIDA I GOVAN	DIRECTOR	1.00	Director	$0	$0	$0
ALLA KATSNELSON	DIRECTOR	1.00	Director	$0	$0	$0
DYLANN JEZ	DIRECTOR	1.00	Director	$0	$0	$0
RYAN LEVINE	DIRECTOR	1.00	Director	$0	$0	$0
LORRAINE MCNULTY-STRASSLER	DIRECTOR	1.00	Director	$0	$0	$0
NANCY MIRKIN	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA PERMAN	DIRECTOR	1.00	Director	$0	$0	$0
MARSHA KLINE PRUETT	DIRECTOR	1.00	Director	$0	$0	$0
RHAE KENNEDY	CHAIR	1.00	Director	$0	$0	$0
WILLIAM MAHONEY	TREASURER	1.00	Director	$0	$0	$0
RICHARD ALPERT PHD	DIRECTOR	1.00	Director	$0	$0	$0
JAMES GREENE	CHIEF EXECUTIVE OFFICER	37.50	Officer	$156,666	$4,623	$161,289
CHRISTINE LORENZ	CHIEF FINANCIAL OFFICER	37.50	Officer	$146,271	$7,759	$154,030
SARA BEDFORD	CHIEF OPERATING OFFICER	37.50	Officer	$106,330	$4,478	$110,808

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	$9,535,413	$9,355,281	$3,370,196	$180,132
2023	$8,850,939	$8,192,506	$2,332,058	$658,433
2022	$5,975,351	$5,397,934	$2,381,464	$577,417
2021	$3,608,684	$3,440,076	$1,501,335	$168,608
2020	$3,423,510	$3,223,197	$1,271,170	$200,313
2019	$2,942,402	$2,871,227	$669,948	$71,175
2018	$2,765,048	$2,728,870	$669,283	$36,178

JEWISH FAMILY SERVICE OF WMASS