WORCESTER AREA MISSION SOCIETY UNITED CHURCH OF CHRIST (EIN 042157063) - 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

1988

Legal Domicile

Principal Officer

CAROLYN DROSER

Phone

5087552329

Tax Period

2024-01-01 to 2024-12-31

WORCESTER AREA MISSION SOCIETY UNITED CHURCH OF CHRIST, founded in 1988, is a small nonprofit in the Religion sector that reported $480K in total revenue in fiscal year 2024. Revenue surged 49% from the prior year, signaling strong growth momentum. Expenses of $551K exceeded revenue, resulting in a 15% operating deficit.

Mission

THE ORGANIZATION'S MISSION IS TO WORK WITH INDIVIDUALS AND COMMUNITY PARTNERS TO INSPIRE ECONOMIC AND EDUCATIONAL EQUITY THROUGH SOCIAL CHANGE. THE WAMS VISION IS TO FUEL INCLUSION, VOICE, AND OPPORTUNITY 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 $101,888

Program Service Revenue $0

Investment Income $298,844

Other Revenue $79,029

TOTAL REVENUE $479,761

Expense Breakdown

Grants Paid $0

Salaries & Benefits $297,826

Fundraising Expenses $48,077

Program Expenses $297,323

Other Expenses $252,884

TOTAL EXPENSES $550,710

Year-over-Year Comparison

	2024	2023	Change
Revenue	$479,761	$321,163	+0.5%
Expenses	$550,710	$469,131	+0.2%
Net Income	$-70,949	$-147,968	-0.5%

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

$151,544

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA MICHEL	DIRECTOR	2.00	Director	$0	$0	$0
SAM STEWART	DIRECTOR	3.00	Director	$0	$0	$0
KATHERINE CAREY	TREASURER	1.00	Officer Director	$0	$0	$0
CAROLYN DROSER	CHAIR	1.00	Officer Director	$0	$0	$0
DENNIS RICE	DIRECTOR	1.00	Director	$0	$0	$0
MONICA THOMAS-BONNICK	CLERK	1.00	Officer Director	$0	$0	$0
GEORGE VOGEL	DIRECTOR	1.00	Director	$0	$0	$0
SARAI RIVERA	DIRECTOR	1.00	Director	$0	$0	$0
LARISSA PATRICINIO	DIRECTOR	1.00	Director	$0	$0	$0
DAVID MANCHESTER	DIRECTOR	1.00	Director	$0	$0	$0
LUDINGTON KAREN	EXEC DIRECTOR	40.00	Officer	$146,201	$5,343	$151,544

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	$479,761	$550,710	$8,119,455	$-70,949
2023	$321,163	$469,131	$8,166,682	$-147,968
2022	$390,778	$467,870	$7,876,625	$-77,092
2021	$916,791	$447,095	$8,799,437	$469,696
2020	$240,360	$304,481	$8,254,214	$-64,121
2019	$329,276	$367,248	$7,975,852	$-37,972
2018	$329,463	$365,661	$7,360,841	$-36,198

WORCESTER AREA MISSION SOCIETY UNITED CHURCH OF CHRIST