Woburn Council of Social Concern Inc (EIN 042494773) - 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

1969

Legal Domicile

Principal Officer

Jessie Bencosme

Phone

7819356495

Tax Period

2024-07-01 to 2025-06-30

Woburn Council of Social Concern Inc, founded in 1969, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $3.5M left a modest 6% surplus.

Mission

Woburn Council of Social Concern (D.B.A. Council of Social Concern) is a charitable, community-based agency, responding to the basic needs of people of all ages, providing early childhood education and care, helping individuals develop their potential, creating positive family and community relationships, and fostering respect for diversity.

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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 $3,643,448

Program Service Revenue $65,417

Investment Income $14,571

Other Revenue $28,439

TOTAL REVENUE $3,751,875

Expense Breakdown

Grants Paid $431,980

Salaries & Benefits $1,621,534

Fundraising Expenses $175,355

Program Expenses $2,836,289

Other Expenses $1,462,854

TOTAL EXPENSES $3,516,368

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,751,875	$3,136,500	+0.2%
Expenses	$3,516,368	$3,140,343	+0.1%
Net Income	$235,507	$-3,843	-62.3%

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

108

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

$195,638

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mohanan Unni	President	1.00	Officer Director	$0	$0	$0
Jonathan Braese	1st Vice President	0.50	Officer Director	$0	$0	$0
Richard Mucci	2nd Vice President	0.50	Officer Director	$0	$0	$0
Darren Sawicki	Treasurer	0.50	Officer Director	$0	$0	$0
Karen Ossen	Secretary	0.50	Officer Director	$0	$0	$0
William Sullivan	Director	0.50	Director	$0	$0	$0
Bhavana Upadhyaya	Director	0.50	Director	$0	$0	$0
William Balboni	Director	0.50	Director	$0	$0	$0
Eileen Doherty	Director	0.50	Director	$0	$0	$0
Robert Ferullo	Director	0.50	Director	$0	$0	$0
Jason Longo	Director	0.50	Director	$0	$0	$0
Leighanne Taylor	Director	0.50	Director	$0	$0	$0
Daniel Walbourne	Director	0.50	Director	$0	$0	$0
Claire White	Director	0.50	Director	$0	$0	$0
Jessie Bencosme	Executive Director	40.00	Officer	$107,527	$6,805	$114,332
Elaine Fontana	Business Manager	32.00	Officer	$81,246	$60	$81,306

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	$3,751,875	$3,516,368	$2,958,011	$235,507
2024	$3,136,500	$3,140,343	$2,654,451	$-3,843
2023	$3,225,906	$2,812,210	$2,388,223	$413,696
2022	$2,958,890	$2,788,420	$2,205,012	$170,470
2021	$3,039,157	$2,571,857	$2,002,440	$467,300
2020	$2,665,927	$2,449,141	$2,134,248	$216,786
2019	$2,333,270	$2,244,203	$1,848,981	$89,067

Woburn Council of Social Concern Inc