YWCA OF SOUTHEASTERN MASSACHUSETTS INC (EIN 042104747) - 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

1911

Legal Domicile

Principal Officer

GAIL FORTES

Phone

5089993255

Tax Period

2024-07-01 to 2025-06-30

YWCA OF SOUTHEASTERN MASSACHUSETTS INC, founded in 1911, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024.

Mission

ELIMINATE RACISM, EMPOWER WOMEN AND PROMOTE PEACE, JUSTICE, FREEDOM AND DIGNITY FOR ALL.

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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 $1,520,331

Program Service Revenue $276,476

Investment Income $50,497

Other Revenue $16,074

TOTAL REVENUE $1,863,378

Expense Breakdown

Grants Paid $0

Salaries & Benefits $975,617

Fundraising Expenses $0

Program Expenses $1,281,028

Other Expenses $904,525

TOTAL EXPENSES $1,880,142

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,863,378	$1,792,538	+0.0%
Expenses	$1,880,142	$1,815,920	+0.0%
Net Income	$-16,764	$-23,382	-0.3%

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

$203,769

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDSAY CARTER-MONTEIRO	PRESIDENT	2.50	Officer Director	$0	$0	$0
PATRICIA GARCELON	VICE-PRESIDENT	2.50	Officer Director	$0	$0	$0
KENDYLL RAMOS	TREASURER	2.50	Officer Director	$0	$0	$0
CORDAY SILVA	ASST. TREASURER	2.50	Officer Director	$0	$0	$0
SHAI SPINOLA-RAMOS	CLERK	2.50	Officer Director	$0	$0	$0
ISABEL DA SILVA	DIRECTOR	2.50	Director	$0	$0	$0
JAMILYN GORDON	DIRECTOR	2.50	Director	$0	$0	$0
ISAURA TAVARES	DIRECTOR	2.50	Director	$0	$0	$0
MALI LIM	DIRECTOR	2.50	Director	$0	$0	$0
JEAN LIM CUDJOE	DIRECTOR	2.50	Director	$0	$0	$0
INE OGAGAN	DIRECTOR	2.50	Director	$0	$0	$0
ELIZETE PERRY	DIRECTOR	2.50	Director	$0	$0	$0
MIA CORREIA	DIRECTOR AS OF 01/2025	2.50	Director	$0	$0	$0
VIVIAN SMITH-BARNES	DIRECTOR AS OF 01/2025	2.50	Director	$0	$0	$0
MARLENE CERRITOS- RIVAS	DIRECTOR UNTIL 12/2024	2.50	Director	$0	$0	$0
EMILY WESTGATE	DIRECTOR UNTIL 12/2024	2.50	Director	$0	$0	$0
NATHALIE CONCEPCION	DIRECTOR UNTIL 12/2024	2.50	Director	$0	$0	$0
LESLIE POULIN	DIRECTOR UNTIL 12/2024	2.50	Director	$0	$0	$0
GAIL FORTES	EXECUTIVE DIRECTOR	40.00	Officer	$105,192	$10,519	$115,711
LISA ROGERS	FINANCE DIRECTOR	25.00	Officer	$80,053	$8,005	$88,058

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	$1,863,378	$1,880,142	$7,036,610	$-16,764
2024	$1,792,538	$1,815,920	$7,060,377	$-23,382
2023	$1,468,888	$1,695,898	$6,990,220	$-227,010
2022	$2,127,348	$1,465,815	$6,332,439	$661,533
2021	$1,471,877	$1,328,025	$5,862,827	$143,852
2020	$1,078,335	$1,129,902	$5,517,926	$-51,567
2019	$1,820,409	$879,584	$5,933,076	$940,825

YWCA OF SOUTHEASTERN MASSACHUSETTS INC