SOUTH CENTRAL MASSACHUSETTS ELDER BUS INC (EIN 042550015) - 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

1974

Legal Domicile

Principal Officer

JORGES MORALES

Phone

5082484299

Tax Period

2024-07-01 to 2025-06-30

SOUTH CENTRAL MASSACHUSETTS ELDER BUS INC, founded in 1974, is a community nonprofit in the Human Services sector that reported $1.6M in total revenue in fiscal year 2024.

Mission

TO PROVIDE SAFE, RELIABLE, AND AFFORDABLE TRANSPORTATION SERVICES TO SENIOR AND DISABLED CLIENTS RESIDING WITHIN THE TWENTY-ONE COMMUNITIES SERVICED BY THE ORGANIZATION. BY FULFILLING OUR CORE MISSION, WE ARE ABLE TO PROVIDE MORE THAN JUST A TRANSPORTATION SERVICE TO THOSE IN NEED. WE ARE ALSO ABLE TO PROVIDE A MEASURE OF INDEPENDENCE TO A LARGE NUMBER OF CLIENTS THAT MAY OTHERWISE BE HOMEBOUND.

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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 $789

Program Service Revenue $1,599,647

Investment Income $1,544

Other Revenue $0

TOTAL REVENUE $1,601,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,025,121

Fundraising Expenses $0

Program Expenses $1,144,256

Other Expenses $580,414

TOTAL EXPENSES $1,605,535

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,601,980	$1,560,255	+0.0%
Expenses	$1,605,535	$1,565,302	+0.0%
Net Income	$-3,555	$-5,047	-0.3%

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

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

$75,744

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JORGES MORALES	EXECUTIVE DI	40.00	Officer	$75,744	$0	$75,744
APRIL CARUSO	CLERK	1.00	Officer Director	$0	$0	$0
DEBRA CIESLUK	TREASURER	1.00	Officer Director	$0	$0	$0
EILEEN CLARKSON	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
SHARON MELI	DIRECTOR	1.00	Director	$0	$0	$0
NANCY NICHOLS	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA PARISH	DIRECTOR	1.00	Director	$0	$0	$0
PATRICE ROUSSEAU	DIRECTOR	1.00	Director	$0	$0	$0
JUDY SHUTE	DIRECTOR	1.00	Director	$0	$0	$0
JEAN TRAVIS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL TROMBLEY	PRESIDENT	1.00	Officer Director	$0	$0	$0
MIKE WARREN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LESLIE WONG	DIRECTOR	1.00	Director	$0	$0	$0

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	$1,601,980	$1,605,535	$263,700	$-3,555
2024	$1,560,255	$1,565,302	$257,669	$-5,047
2023	$1,428,108	$1,432,917	$439,797	$-4,809
2022	$1,371,171	$1,376,034	$251,787	$-4,863
2021	$1,194,704	$1,199,795	$422,340	$-5,091
2020	$1,408,862	$1,414,015	$247,004	$-5,153
2019	$1,312,206	$1,317,664	$265,544	$-5,458

SOUTH CENTRAL MASSACHUSETTS ELDER BUS INC