YWCA CENTRAL MASSACHUSETTS INC (EIN 042105873) - 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

1885

Legal Domicile

Principal Officer

DEBORAH HALL

Phone

5087913181

Tax Period

2023-10-01 to 2024-09-30

YWCA CENTRAL MASSACHUSETTS INC, founded in 1885, is a mid-sized nonprofit in the Human Services sector that reported $10.1M in total revenue in fiscal year 2023. Expenses of $9.4M left a modest 6% surplus.

Mission

WOMEN'S GROWTH AND LEADERSHIP

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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 $1,017,574

Program Service Revenue $8,581,547

Investment Income $314,464

Other Revenue $138,041

TOTAL REVENUE $10,051,626

Expense Breakdown

Grants Paid $159,074

Salaries & Benefits $6,385,656

Fundraising Expenses $485,585

Program Expenses $7,491,015

Other Expenses $2,900,629

TOTAL EXPENSES $9,445,359

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,051,626	$10,123,871	0.0%
Expenses	$9,445,359	$9,354,723	+0.0%
Net Income	$606,267	$769,148	-0.2%

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

280

Volunteers

100

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

$272,859

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTIN M SAWASH	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
AMANE ABDELJABER	CLERK	1.00	Officer Director	$0	$0	$0
JEANIE CONNOLLY	ASST. TREASURER	1.00	Officer Director	$0	$0	$0
AMANDA GREGOIRE	BOARD MEMBER	1.00	Director	$0	$0	$0
MONICA THOMAS-BONNICK	PRESIDENT	1.00	Officer Director	$0	$0	$0
RUBBY WUABU	BOARD MEMBER	1.00	Director	$0	$0	$0
NATALIE ANUMBA PHD	BOARD MEMBER	1.00	Director	$0	$0	$0
LORI DAWSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JEN SAFFORD	BOARD MEMBER	1.00	Director	$0	$0	$0
ELIZABETH WAMBUI	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICIA LEARY	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY RITCHIE MURPHY	BOARD MEMBER	1.00	Director	$0	$0	$0
ELIZABETH THOMPSON	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
JENNIFER BRADFORD	ASSISTANT CLERK	1.00	Director	$0	$0	$0
MARICELIS MARI GONZALEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
SHANTIE PRASHAD	TREASURER	1.00	Officer Director	$0	$0	$0
DOREEN SAMUELS	BOARD MEMBER	1.00	Director	$0	$0	$0
GINA AHTOF	BOARD MEMBER	1.00	Director	$0	$0	$0
ORFA FERMIN TORRES	BOARD MEMBER	1.00	Director	$0	$0	$0
NICOLE LACROIX	BOARD MEMBER	1.00	Director	$0	$0	$0
SARAH PERKINS	BOARD MEMBER	1.00	Director	$0	$0	$0
KATIE STICKNEY	BOARD MEMBER	1.00	Director	$0	$0	$0
ANISSA ZABRISKIE	BOARD MEMBER	1.00	Director	$0	$0	$0
DEBORAH HALL	CHIEF EXECUTIVE OFFICER	35.00	Officer	$137,524	$14,331	$151,855
SUSAN OBRIEN	CHIEF OFFICER OF FINANCE	35.00	Officer	$114,192	$6,812	$121,004

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	$10,051,626	$9,445,359	$22,423,349	$606,267
2023	$10,123,871	$9,354,723	$21,165,862	$769,148
2022	$11,118,159	$9,473,926	$20,889,109	$1,644,233
2021	$9,331,553	$8,639,861	$22,980,157	$691,692
2020	$10,089,586	$8,127,072	$23,401,299	$1,962,514
2019	$8,101,423	$7,647,534	$8,622,686	$453,889
2018	$10,145,111	$7,320,048	$8,452,183	$2,825,063

YWCA CENTRAL MASSACHUSETTS INC