YWCA NORTHEASTERN MASSACHUSETTS INC (EIN 042130847) - 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

1899

Legal Domicile

Principal Officer

MARICELIS ORTIZ

Phone

9786870331

Tax Period

2024-07-01 to 2025-06-30

YWCA NORTHEASTERN MASSACHUSETTS INC, founded in 1899, is a mid-sized nonprofit that reported $11.2M in total revenue in fiscal year 2024. Expenses of $10.6M left a modest 6% surplus.

Mission

THE YWCA IS DEDICATED TO ELIMINATING RACISM, EMPOWERING WOMEN AND PROMOTING 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 $828,136

Program Service Revenue $10,282,090

Investment Income $75,226

Other Revenue $-13,333

TOTAL REVENUE $11,172,119

Expense Breakdown

Grants Paid $15,080

Salaries & Benefits $6,753,274

Fundraising Expenses $0

Program Expenses $9,456,811

Other Expenses $3,783,702

TOTAL EXPENSES $10,552,056

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,172,119	$10,650,022	+0.0%
Expenses	$10,552,056	$9,998,025	+0.1%
Net Income	$620,063	$651,997	0.0%

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

161

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

$435,076

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUANA SIEKIERA-NAVEO	PRESIDENT	2.00	Officer Director	$0	$0	$0
PERLA ORTIZ	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
PATTY WILSON	TREASURER (UNTIL 11/12/2025)	2.00	Officer Director	$0	$0	$0
PAM SINTROS	TREASURER (SINCE 11/13/2025)	2.00	Officer Director	$0	$0	$0
MADELINE VILLANUEVA	SECRETARY (SINCE NOV 2024)	2.00	Officer Director	$0	$0	$0
EMMA CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
DENISE MOLINA CAPERS ESQ	DIRECTOR	1.00	Director	$0	$0	$0
ANNE HEMMER	DIRECTOR	1.00	Director	$0	$0	$0
ELLEN SMALL DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET CROCKETT	DIRECTOR	1.00	Director	$0	$0	$0
KATHERINE CASTRO EARDLEY	DIRECTOR	1.00	Director	$0	$0	$0
RUTH BITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE M CURTIS	DIRECTOR (UNTIL JAN 2025)	1.00	Director	$0	$0	$0
MARTHA LUCIA FORERO	DIRECTOR	1.00	Director	$0	$0	$0
EMILY GONZALEZ	DIRECTOR	1.00	Director	$0	$0	$0
VALBONA LAVDARI	DIRECTOR	1.00	Director	$0	$0	$0
LAURA J WANTE	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN STAPLES	CHIEF EXECUTIVE OFFICER	40.00	Officer	$217,518	$43,316	$260,834
KATHLEEN SHERMAN	CFO (UNTIL 2/7/2025)	40.00	Officer	$149,328	$24,914	$174,242
SHEILA DUNNE	CFO (SINCE 1/6/2025)	40.00	Officer	$0	$0	$0
MARICELIS ORTIZ	CHIEF OPERATING OFFICER	40.00	Highest	$158,140	$17,084	$175,224
LUIS MARTINEZ	DEPUTY DIR. OF OPERATIONS & FACILITIES	40.00	Highest	$110,712	$12,288	$123,000

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	$11,172,119	$10,552,056	$14,677,536	$620,063
2024	$10,650,022	$9,998,025	$13,573,651	$651,997
2023	$10,378,350	$9,252,197	$12,880,851	$1,126,153
2022	$10,579,409	$8,357,404	$11,709,086	$2,222,005
2021	$9,180,376	$8,494,223	$10,625,061	$686,153
2020	$8,335,690	$8,211,250	$6,933,882	$124,440
2019	$7,795,124	$7,749,296	$6,046,972	$45,828

YWCA NORTHEASTERN MASSACHUSETTS INC