JEWISH FAMILY SERVICE OF METROWEST INC (EIN 042730898) - 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

1979

Legal Domicile

Principal Officer

LINO COVARRUBIAS

Phone

5088753100

Tax Period

2023-10-01 to 2024-09-30

JEWISH FAMILY SERVICE OF METROWEST INC, founded in 1979, is a community nonprofit in the Human Services sector that reported $6.4M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum.

Mission

JEWISH FAMILY SERVICE OF METROWEST, INC PROVIDES VITAL SOCIAL, HEALTH & COMMUNITY SERVICES TO ALLEVIATE SUFFERING, ENHANCE LIVES & SUPPORT PEOPLE IN NEED.

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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 (2023)

Revenue Breakdown

Contributions & Grants $4,835,900

Program Service Revenue $1,353,222

Investment Income $157,560

Other Revenue $39,977

TOTAL REVENUE $6,386,659

Expense Breakdown

Grants Paid $15,347

Salaries & Benefits $3,795,803

Fundraising Expenses $434,069

Program Expenses $5,776,937

Other Expenses $2,654,660

TOTAL EXPENSES $6,465,810

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,386,659	$5,098,647	+0.3%
Expenses	$6,465,810	$4,934,137	+0.3%
Net Income	$-79,151	$164,510	-1.5%

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

300

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

$284,038

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINO COVARRUBIAS	CHIEF EXECUTIVE OFFICER	40.00	Officer	$257,823	$26,215	$284,038
JAYNE LAMPERT	SR. DIRECTOR OF PHILANTHROPY	40.00	Highest	$171,262	$16,205	$187,467
LUCIA PANICHELLA	SR. DIR. OF PROGRAMS & PARTNERSHIPS	40.00	Highest	$111,970	$4,015	$115,985
MALKA YOUNG	DIR., ELDER CARE SOLUTIONS	40.00	Highest	$108,603	$8,315	$116,918
AMANDA COUGHLIN	SR. DIR., OPS & REVENUE PROGRAMS	40.00	Highest	$101,409	$8,507	$109,916
ALLISON KATES	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSEF VOLMAN	IMMEDIATE PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
JAY GAINSBORO	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
IAN RUBIN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BARBARA SCHULTZ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JEFFREY SWARTZ	VICE PRESIDENT UNTIL 06/2024	1.00	Officer Director	$0	$0	$0
ASHLEY DEPAOLO	SECRETARY	1.00	Officer Director	$0	$0	$0
MEYER LEVY	TREASURER	1.00	Officer Director	$0	$0	$0
DAVID PODELL	DIRECTOR	1.00	Director	$0	$0	$0
FERNANDO CASTRO	DIRECTOR	1.00	Director	$0	$0	$0
DENA KOWALOFF	DIRECTOR	1.00	Director	$0	$0	$0
ARI FREISINGER	DIRECTOR	1.00	Director	$0	$0	$0
SOPHIE HEARNE	DIRECTOR	1.00	Director	$0	$0	$0
CHASE CARPENTER	DIRECTOR	1.00	Director	$0	$0	$0
JODI BRING	DIRECTOR	1.00	Director	$0	$0	$0
DENISE ROSENBLUM	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH GOTBETTER	DIRECTOR	1.00	Director	$0	$0	$0
CESAR STEWART-MORALES	DIRECTOR	1.00	Director	$0	$0	$0
PHILIP STRAUSS	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW TROOP	DIRECTOR	1.00	Director	$0	$0	$0
NEIL ROSS	DIRECTOR	1.00	Director	$0	$0	$0
ELANA MARGOLIS	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE ELKIND	DIRECTOR	1.00	Director	$0	$0	$0
RABBI DANNY BURKEMAN	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS DOLGOV	DIRECTOR	1.00	Director	$0	$0	$0
SHIRLEY NIGRI FARBER	DIRECTOR	1.00	Director	$0	$0	$0
TOM DRETLER	DIRECTOR	1.00	Director	$0	$0	$0
JAKE GROSSMAN	DIRECTOR	1.00	Director	$0	$0	$0
JACKI HART	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HERRERA	DIRECTOR	1.00	Director	$0	$0	$0
ANITA LAVAKUMAR	DIRECTOR	1.00	Director	$0	$0	$0
ANTONIO MASSA VIANA	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE BEARAK	DIRECTOR	1.00	Director	$0	$0	$0
ANN BUDNER	DIRECTOR A/O 06/2024	1.00	Director	$0	$0	$0
CHERYL CARNER	DIRECTOR A/O 06/2024	1.00	Director	$0	$0	$0
NADIA VALENTIN	DIRECTOR UNTIL 06/2024	1.00	Director	$0	$0	$0
F JAVIER CEVALLOS	DIRECTOR UNTIL 06/2024	1.00	Director	$0	$0	$0
OMAWALI STEWART	DIRECTOR UNTIL 06/2024	1.00	Director	$0	$0	$0
SHAI TABB	DIRECTOR UNTIL 01/2024	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
2024	$6,386,659	$6,465,810	$9,318,139	$-79,151
2023	$5,098,647	$4,934,137	$8,900,703	$164,510
2022	$5,182,864	$4,228,714	$8,487,807	$954,150
2021	$4,122,609	$3,368,778	$7,697,160	$753,831
2020	$4,502,072	$3,126,372	$6,881,778	$1,375,700
2019	$4,053,061	$3,338,547	$5,521,441	$714,514
2018	$3,131,517	$3,128,763	$4,770,452	$2,754
2018	$3,131,517	$3,128,763	$4,770,452	$2,754

JEWISH FAMILY SERVICE OF METROWEST INC