MASSACHUSETTS CONCRETE & AGGREGATE PRODUCERS ASSOCIATION INC (EIN 042515687) - 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

1957

Legal Domicile

Principal Officer

PETER JOY

Phone

9784330011

Tax Period

2025-01-01 to 2025-12-31

MASSACHUSETTS CONCRETE & AGGREGATE PRODUCERS ASSOCIATION INC, founded in 1957, is a small nonprofit that reported $290K in total revenue in fiscal year 2025. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $323K exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROMOTE AND EXPAND THE USE OF PROCESSED AGGREGATES AND CONCRETE. TO KEEP THE PUBLIC INFORMED OF INDUSTRY LAWS, REGULATIONS & DEVELOPMENTS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $288,975

Investment Income $976

Other Revenue $0

TOTAL REVENUE $289,951

Expense Breakdown

Grants Paid $17,000

Salaries & Benefits $151,394

Fundraising Expenses $0

Other Expenses $155,046

TOTAL EXPENSES $323,440

Year-over-Year Comparison

	2025	2024	Change
Revenue	$289,951	$362,906	-0.2%
Expenses	$323,440	$351,833	-0.1%
Net Income	$-33,489	$11,073	-4.0%

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

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
PETER JOY	PRESIDENT	2.00	Officer Director	$0	$0	$0
JOE GALLAGHER	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JASON OUELLETTE	TREASURER	2.00	Officer Director	$0	$0	$0
DEAN BOYLEN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MACLELLAN	DIRECTOR	1.00	Director	$0	$0	$0
BOB CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
DAVID LAPOINTE	DIRECTOR	1.00	Director	$0	$0	$0
BRENDAN CLEMENTE	DIRECTOR	1.00	Director	$0	$0	$0
TOM HATHAWAY	DIRECTOR	1.00	Director	$0	$0	$0
DOMENICO DAQUI	DIRECTOR	1.00	Director	$0	$0	$0
FEMM SINGER	DIRECTOR	1.00	Director	$0	$0	$0
ART NETTLE	DIRECTOR	1.00	Director	$0	$0	$0
GUILLAUME LEMIEUX	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN BARRY	DIRECTOR	1.00	Director	$0	$0	$0
KEN KIRKPATRICK	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN MIRNON	DIRECTOR	1.00	Director	$0	$0	$0
CRAIG V DAUPHINAIS	EXECUTIVE DIRECTOR	40.00	Highest	$140,635	$0	$140,635

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	$289,951	$323,440	$259,413	$-33,489
2024	$362,906	$351,833	$292,902	$11,073
2023	$309,220	$317,193	$281,829	$-7,973
2022	$242,917	$230,431	$289,802	$12,486
2021	$519,056	$329,583	$277,316	$189,473
2020	$215,452	$211,765	$87,843	$3,687
2019	$201,103	$210,315	$84,156	$-9,212
2018	$230,671	$212,108	$93,368	$18,563

MASSACHUSETTS CONCRETE & AGGREGATE PRODUCERS ASSOCIATION INC