CARE NET PREGNANCY RESOURCE CENTER OF NORTH CENTRAL MASSACHUSETTS INC (EIN 042597799) - 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

1976

Legal Domicile

Principal Officer

GAIL GARDNER

Phone

9783424244

Tax Period

2025-01-01 to 2025-12-31

CARE NET PREGNANCY RESOURCE CENTER OF NORTH CENTRAL MASSACHUSETTS INC, founded in 1976, is a small nonprofit that reported $143K in total revenue in fiscal year 2025. Expenses of $133K left a modest 7% surplus.

Mission

Pregnancy Resource center performing pregnancy tests limited ultrasounds childbirth education childbirth class parenting classes all for free.

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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 $70,269

Program Service Revenue $0

Investment Income $0

Other Revenue $72,412

TOTAL REVENUE $142,681

Expense Breakdown

Grants Paid $0

Salaries & Benefits $65,279

Fundraising Expenses $0

Program Expenses $90,142

Other Expenses $67,224

TOTAL EXPENSES $132,503

Year-over-Year Comparison

	2025	2024	Change
Revenue	$142,681	$135,037	+0.1%
Expenses	$132,503	$123,188	+0.1%
Net Income	$10,178	$11,849	-0.1%

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

$59,602

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dr John Worden	Medical Director	1.00	Key Emp	$0	$0	$0
Melissa Goehl	President	1.00	Officer Director	$0	$0	$0
Joanne Brennan	Vice President	1.00	Officer Director	$0	$0	$0
Siomara Nadreau	Treasurer	1.00	Officer Director	$0	$0	$0
Tristan Taylor	Director	1.00	Director	$0	$0	$0
Denise Tufts	Director	1.00	Director	$0	$0	$0
Carol Caruso	Nurse Manager	18.00	Key Emp	$12,264	$0	$12,264
Gail Gardner	Executive Director	18.00	Key Emp	$20,612	$0	$20,612
Ruben Cabrera	Clerk	1.00	Officer Director	$0	$0	$0
Wendy Mattis	Director of Development	12.00	Key Emp	$11,582	$0	$11,582
Danielle Melville	Nurse Manager	18.00	Key Emp	$15,144	$0	$15,144

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	$142,681	$132,503	$103,792	$10,178
2024	$135,037	$123,188	$92,433	$11,849
2023	$122,203	$119,044	$80,854	$3,159
2022	$126,489	$119,742	$77,466	$6,747
2021	$142,473	$119,421	$71,074	$23,052
2020	$90,774	$119,736	$59,881	$-28,962

CARE NET PREGNANCY RESOURCE CENTER OF NORTH CENTRAL MASSACHUSETTS INC