STOW CONSERVATION TRUST INC

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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

1977

Legal Domicile

Principal Officer

SUSAN CRANE

Phone

9788973724

Tax Period

2024-09-01 to 2025-08-31

STOW CONSERVATION TRUST INC, founded in 1977, is a micro nonprofit that reported $81K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $19K, a strong 23% operating margin.

Mission

TO PRESERVE OPEN SPACE IN STOW, MASSACHUSETTS.

Program Service Accomplishments

Program 1

Expenses: $49,190

STEWARDSHIP - SCT OWNS AND/OR ACTIVELY STEWARDS MULTIPLE CONSERVATION PROPERTIES IN TOWN, MONITORING FOR ENCROACHMENTS AND MAINTAINING TRAILS FOR USE BY THE GENERAL PUBLIC. THIS YEAR WE HIRED...

STEWARDSHIP - SCT OWNS AND/OR ACTIVELY STEWARDS MULTIPLE CONSERVATION PROPERTIES IN TOWN, MONITORING FOR ENCROACHMENTS AND MAINTAINING TRAILS FOR USE BY THE GENERAL PUBLIC. THIS YEAR WE HIRED PROFESSIONALS TO CONSTRUCT BOARDWALKS OVER WET AREAS IN OUR SHEPHERD MEMORIAL WOODLANDS PROPERTY, WHERE BEAVER ACTIVITY HAD FLOODED PARTS OF THE TRAIL. WE EMPLOYED OUR VOLUNTEER "STEW CREW" ON NUMEROUS STEWARDSHIP EVENTS INCLUDING TRAIL MARKING/MAINTENANCE/REPAIR AND REMOVING INVASIVE SPECIES.

Program 2

Expenses: $3,804

EDUCATION - SCT SEEKS TO EDUCATE THE PUBLIC ABOUT THE IMPORTANCE OF PRESERVING LAND FOR THE FUTURE VIA VARIOUS COMMUNITY EVENTS AND AWARENESS-GENERATING ACTIVITIES. THIS YEAR WE DESIGNED, WROTE, AND INSTALLED EDUCATIONAL SIGNS ALONG THE TRAIL AT THE SHEPHERD PROPERTY, HIGHLIGHTING THE VARIOUS BIOLOGICAL AND ENVIRONMENTAL FEATURES OF THE WOODS THERE. WE CO-SPONSORED A CELEBRATION OF THE 50TH ANNIVERSARY OF THE PRESERVATION OF THE MARBLE HILL CONSERVATION PROPERTY. IN APRIL WE INSTALLED 10 TEMPORARY "AMPHIBIAN CROSSING" SIGNS AROUND TOWN FOR "BIG NIGHT", DURING WHICH AMPHIBIANS CROSS ROADS TO MIGRATE TO BREEDING GROUNDS.

Program 3

LAND CONSERVATION AND OUTREACH - THE TRUST ACQUIRES OR FACILITATES ACQUISITION OF LAND IN STOW, MA, TO PRESERVE IT AS OPEN SPACE. TRUST MEMBERS WORK WITH LAND OWNERS, LOCAL GOVERNMENTS, AND OTHER...

LAND CONSERVATION AND OUTREACH - THE TRUST ACQUIRES OR FACILITATES ACQUISITION OF LAND IN STOW, MA, TO PRESERVE IT AS OPEN SPACE. TRUST MEMBERS WORK WITH LAND OWNERS, LOCAL GOVERNMENTS, AND OTHER LAND TRUSTS TO PROVIDE EXPERTISE IN PLANNING, ORGANIZING, AND PRESENTING CASES FOR FUTURE LAND ACQUISITIONS OR CONSERVATION RESTRICTIONS. THIS YEAR OUR LAND PROTECTION SPECIALISTS ADVANCED SEVERAL POTENTIAL LAND DEAL PROJECTS, WHICH MAY COME TO CLOSURE IN THE NEXT FEW YEARS.

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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 $66,326

Program Service Revenue $0

Investment Income $14,396

Other Revenue $0

TOTAL REVENUE $80,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $3,167

Program Expenses $52,994

Other Expenses $62,084

TOTAL EXPENSES $62,084

Year-over-Year Comparison

	2024	2023	Change
Revenue	$80,722	$65,870	+0.2%
Expenses	$62,084	$13,368	+3.6%
Net Income	$18,638	$52,502	-0.6%

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

N/A

Volunteers

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
SUSAN CRANE	PRESIDENT, DIRECTOR	9.00	Officer Director	$0	$0	$0
JANET KRESL MOFFAT	VICE PRESIDENT, DIRECTOR	4.00	Officer Director	$0	$0	$0
JEFFREY RITTERSON	CLERK, SECRETARY, DIRECTOR	4.00	Officer Director	$0	$0	$0
EVE DONAHUE	TREASURER, DIRECTOR	4.00	Officer Director	$0	$0	$0
BILL WERNER	ASSISTANT TREASURER, DIRECTOR	4.00	Officer Director	$0	$0	$0
RICHARD PERKINS	DIRECTOR	4.00	Director	$0	$0	$0
BOB WILBER	DIRECTOR	4.00	Director	$0	$0	$0
ALLAN FIERCE	DIRECTOR	4.00	Director	$0	$0	$0
JOHN SANGERMANO	DIRECTOR	4.00	Director	$0	$0	$0
TOM PORCHER	DIRECTOR	4.00	Director	$0	$0	$0
LAURIE BURNETT	DIRECTOR	4.00	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	$80,722	$62,084	$2,320,367	$18,638
2024	$65,870	$13,368	$2,301,729	$52,502
2023	$87,239	$107,243	$2,249,227	$-20,004
2022	$66,190	$44,495	$2,269,231	$21,695
2021	$68,914	$29,414	$2,247,536	$39,500
2020	$29,699	$10,238	$2,283,036	$19,461
2019	$71,810	$13,670	$2,263,575	$58,140
2018	$378,628	$423,093	$2,205,435	$-44,465