BUILDERS ASSOCIATION OF CENTRAL MASSACHUSETTS (EIN 042108744) - 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

1941

Legal Domicile

Tax Period

2019-01-01 to 2019-12-31

BUILDERS ASSOCIATION OF CENTRAL MASSACHUSETTS, founded in 1941, is a small nonprofit that reported $142K in total revenue in fiscal year 2019. Revenue decreased 16% compared to the prior year.

Mission

TO PROVIDE INFORMATION, EDUCATION, AND TECHNICAL EXPERTISE IN THE FIELD OF HOME BUILDING TO ASSOCIATION MEMBERS, AND THE GENERAL PUBLIC. PROGRAMS INCLUDE HOME EXPO SHOWS, BUILDER LICENSING COURSES AND BUSINESS TO BUSINESS DIRECTORY.

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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 (2019)

Revenue Breakdown

Contributions & Grants $12,995

Program Service Revenue $137,577

Investment Income $-24,257

Other Revenue $15,785

TOTAL REVENUE $142,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,682

Fundraising Expenses $0

Program Expenses $20,562

Other Expenses $42,785

TOTAL EXPENSES $150,467

Year-over-Year Comparison

	2019	2018	Change
Revenue	$142,100	$168,820	-0.2%
Expenses	$150,467	$174,713	-0.1%
Net Income	$-8,367	$-5,893	+0.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN FOLEY	DIRECTOR	1.00	Director	$0	$0	$0
NICK GRANDE	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL WOZNICKI	DIRECTOR	1.00	Director	$0	$0	$0
DAN STANHOPE	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
RON FLOSER	SECRETARY	2.00	Officer	$0	$0	$0
RUSSELL COLE	VICE PRESIDENT	1.00	Officer	$0	$0	$0
DAVID FINE	PRESIDENT	2.00	Officer	$0	$0	$0
MARK HERLIHY	TREASURER	2.00	Officer	$0	$0	$0
GUY WEBB	EXECUTIVE DIRECTOR	40.00	Highest	$66,318	$0	$66,318

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
2019	$142,100	$150,467	$204,009	$-8,367
2018	$168,820	$174,713	$212,376	$-5,893

BUILDERS ASSOCIATION OF CENTRAL MASSACHUSETTS