ACTION INC (EIN 042389332) - 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

1967

Legal Domicile

Principal Officer

PEGGY HEGARTY-STECK

Phone

9782821000

Tax Period

2023-10-01 to 2024-09-30

ACTION INC, founded in 1967, is a major nonprofit in the Human Services sector that reported $184.3M in total revenue in fiscal year 2023. Revenue surged 66% from the prior year, signaling strong growth momentum. Expenses of $177.8M left a modest 4% surplus.

Mission

THE MISSION OF ACTION INC. IS TO ADVANCE ECONOMIC EQUITY AND FOSTER A THRIVING COMMUNITY ON CAPE ANN AND BEYOND. OUR VISION IS TO BE AN INSTRUMENT OF CHANGE, WORK COLLABORATIVELY WITH PARTNERS TO STRENGTHEN THE COMMUNITY, AND HELP PEOPLE IN OUR SERVICE AREA ACCESS THE RESOURCES THEY NEED TO ACHIEVE THEIR GOALS.

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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 $11,113,314

Program Service Revenue $172,775,309

Investment Income $153,734

Other Revenue $264,293

TOTAL REVENUE $184,306,650

Expense Breakdown

Grants Paid $0

Salaries & Benefits $8,898,607

Fundraising Expenses $185,161

Program Expenses $174,655,461

Other Expenses $168,949,234

TOTAL EXPENSES $177,847,841

Year-over-Year Comparison

	2023	2022	Change
Revenue	$184,306,650	$111,088,156	+0.7%
Expenses	$177,847,841	$108,915,820	+0.6%
Net Income	$6,458,809	$2,172,336	+2.0%

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

111

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

$667,037

Total Directors

$39,173

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROGER LESCH	DIRECTOR	3.00	Director	$0	$39,173	$39,173
LINDA MURPHY	VICE CHAIR	3.00	Officer Director	$0	$0	$0
MARGARET DRISCOLL	SECRETARY	3.00	Director	$0	$0	$0
ANN CAMERON	DIRECTOR	3.00	Director	$0	$0	$0
FERNANDO DESOUZA	DIRECTOR	3.00	Director	$0	$0	$0
COREEN HOWLAND	DIRECTOR	3.00	Director	$0	$0	$0
LINDA GIAMANCO	DIRECTOR	3.00	Director	$0	$0	$0
ELISE SINAGRA	DIRECTOR	3.00	Director	$0	$0	$0
MARCY PREGENT	TREASURER	3.00	Officer Director	$0	$0	$0
CAROLE SHAROFF	DIRECTOR	3.00	Director	$0	$0	$0
SALLY BERKOWITZ	CHAIR	3.00	Officer Director	$0	$0	$0
MELINDA VINING	DIRECTOR	3.00	Director	$0	$0	$0
JENNIFER ORLANDO	DIRECTOR	3.00	Director	$0	$0	$0
REV KARIN WADE	DIRECTOR	3.00	Director	$0	$0	$0
SARAH MCLANAHAN	DIRECTOR	3.00	Director	$0	$0	$0
DANIEL BOONE	DIRECTOR	3.00	Director	$0	$0	$0
MICHEA MCCAFFREY	DIRECTOR	3.00	Director	$0	$0	$0
PEGGY HEGARTY-STECK	CHIEF EXECUTIVE OFFICER	35.00	Officer	$218,065	$531	$218,596
JENNIFER BELOFF	CHIEF PROGRAM OFFICER	35.00	Officer	$162,752	$5,620	$168,372
JILLIAN CLUETT	CHIEF FINANCIAL OFFICER/VP	35.00	Officer	$136,416	$9,145	$145,561
ALLISON LEX	CHIEF OPERATING OFFICER	35.00	Officer	$119,639	$14,869	$134,508
ELLIOTT JACOBSON	VP OF ENERGY SERVICES	35.00	Highest	$211,301	$3,915	$215,216
BRIAN BEOTE	DIRECTOR OF ENERGY EFFICIENCY OPERATIONS	35.00	Highest	$129,527	$16,499	$146,026
ERIN GEORGE	DIRECTOR OF HOUSING SERVICES	35.00	Highest	$114,290	$11,395	$125,685
BRENDAN P DELANEY	DIRECTOR OF RESIDENTAL ENERGY	35.00	Highest	$114,685	$6,875	$121,560
JONATHAN C DALEY	DIRECTOR OF UTILITY AND BUDGET DATA SYSTEMS	35.00	Highest	$102,197	$4,972	$107,169

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	$184,306,650	$177,847,841	$52,638,722	$6,458,809
2023	$111,088,156	$108,915,820	$28,610,243	$2,172,336
2022	$79,876,411	$79,099,905	$25,227,649	$776,506
2021	$61,722,559	$60,701,784	$25,893,243	$1,020,775
2020	$46,459,698	$46,522,711	$23,392,638	$-63,013
2019	$69,707,995	$67,626,336	$22,711,681	$2,081,659
2018	$65,714,379	$63,302,435	$20,605,065	$2,411,944

ACTION INC