GIRLS INC OF THE VALLEY

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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

1981

Legal Domicile

Principal Officer

DEBRA VEGA

Phone

4135326247

Tax Period

2023-07-01 to 2024-06-30

GIRLS INC OF THE VALLEY, founded in 1981, is a community nonprofit in the Youth Development sector that reported $2.4M in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year.

Mission

GIRLS INC. OF THE VALLEY HELPS TRANSFORM THE LIVES OF GIRLS. INTENTIONALLY STRUCTURED TO MEET THE SPECIFIC NEEDS OF GIRLS, OUR WIDE RANGE OF PROGRAMS OFFER OPPORTUNITIES FOR GIRLS TO INCREASE THEIR CAPACITY FOR RESILIENCY, FOSTER COMMUNITY INVOLVEMENT, STRENGTHEN THEIR CAPABILITIES AS CRITICAL THINKERS AND INSPIRE LIFELONG LEARNING. OUR PROGRAMS ARE GIRL-CENTERED, COMMUNITY FOCUSED, AND AGE-APPROPRIATE.

Program Service Accomplishments

Program 1

Expenses: $348,011

ELEMENTARY SCHOOL PROGRAMS (ESP): GIRLS INC.'S PROGRAMS FOR GIRLS AGES 5-12 ARE OFFERED AT 480 HAMPDEN STREET IN HOLYOKE, AND THROUGH SCHOOL PARTNERSHIPS IN HOLYOKE, SPRINGFIELD, AND CHICOPEE. OUR...

ELEMENTARY SCHOOL PROGRAMS (ESP): GIRLS INC.'S PROGRAMS FOR GIRLS AGES 5-12 ARE OFFERED AT 480 HAMPDEN STREET IN HOLYOKE, AND THROUGH SCHOOL PARTNERSHIPS IN HOLYOKE, SPRINGFIELD, AND CHICOPEE. OUR PROGRAMS PROVIDE RICH EDUCATIONAL EXPERIENCES THAT HELP GIRLS REACH DEVELOPMENTAL MILESTONES AND SUCCEED IN SCHOOL. WHILE THE PROGRAMS HAVE AN ACADEMIC FOCUS, THERE IS A STRONG EMPHASIS ON SOCIAL EMOTIONAL LEARNING AS WELL, BUILDING A SUPPORTIVE COMMUNITY OF CONFIDENT, DIRECTED GIRLS.

Program 2

Expenses: $970,465

MIDDLE AND HIGH SCHOOL PROGRAMS (MHSP): GIRLS INC. SERVES GIRLS AGES 12-18 AT OUR TEEN CENTER IN HOLYOKE, AND THROUGH SCHOOL PARTNERSHIPS IN HOLYOKE, SPRINGFIELD, AND CHICOPEE. WE PROVIDE EDUCATIONAL AND LEADERSHIP OPPORTUNITIES THROUGH 4 INTERCONNECTED COMPONENTS: 1) INTEGRATIVE EDUCATION, COMBINING ACADEMIC SUPPORT, AND FINANCIAL AND STEM LITERACY; 2) HEALTHY SEXUALITY; 3) COLLEGE ACCESS; AND 4) LEADERSHIP DEVELOPMENT. WE ALSO OFFER EUREKA! A 5-YEAR STEM EDUCATION PROGRAM IN PARTNERSHIP WITH THE UNIVERSITY OF MASSACHUSETTS.

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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 $2,407,056

Program Service Revenue $0

Investment Income $-565

Other Revenue $31,299

TOTAL REVENUE $2,437,790

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,454,481

Fundraising Expenses $501,148

Program Expenses $1,318,476

Other Expenses $941,664

TOTAL EXPENSES $2,479,021

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,437,790	$2,821,867	-0.1%
Expenses	$2,479,021	$2,228,313	+0.1%
Net Income	$-41,231	$593,554	-1.1%

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

172

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

$124,985

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA VEGA	CHAIR	1.00	Officer Director	$0	$0	$0
NIKAI FONDON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LAUREN MANUEL	TREASURER	1.00	Officer Director	$0	$0	$0
CHERLYNNE MILLS	CLERK	1.00	Officer Director	$0	$0	$0
ZYDALIS BAUER	DIRECTOR	0.75	Director	$0	$0	$0
ISANI CASTRO	DIRECTOR	0.75	Director	$0	$0	$0
REBECCA BOUCHARD	DIRECTOR	0.75	Director	$0	$0	$0
DENISE BROWN	DIRECTOR	0.75	Director	$0	$0	$0
MELYSSA BROWN-PORTER	DIRECTOR	0.75	Director	$0	$0	$0
XIOMARA ALBAN DELOBATO	DIRECTOR	0.75	Director	$0	$0	$0
TIFFANY ESPINOSA	DIRECTOR	0.75	Director	$0	$0	$0
BERNADETTE HARRIGAN	DIRECTOR	0.75	Director	$0	$0	$0
KATE KANE	DIRECTOR	0.75	Director	$0	$0	$0
GEORGE KEADY III	DIRECTOR	0.75	Director	$0	$0	$0
ALAINA MACAULAY	DIRECTOR	0.75	Director	$0	$0	$0
CYNTHIA MEDINA CARSON	DIRECTOR	0.75	Director	$0	$0	$0
MARIA PELCHAR	DIRECTOR	0.75	Director	$0	$0	$0
ELIZABETH PRESTON	DIRECTOR	0.75	Director	$0	$0	$0
JANE ROULIER	DIRECTOR	0.75	Director	$0	$0	$0
CRYSTAL SENTER-BROWN	DIRECTOR	0.75	Director	$0	$0	$0
CIARA SPELLER	DIRECTOR	0.75	Director	$0	$0	$0
TAKARRA GREENE	DIRECTOR	0.75	Director	$0	$0	$0
TRISHNA MUDUMBI	DIRECTOR	0.75	Director	$0	$0	$0
YADILETTE RIVERA-COLON	CHAIR PAST	1.50	Officer Director	$0	$0	$0
CHRISTOPHER BOINO	DIRECTOR PAST	0.75	Director	$0	$0	$0
EILEEN BARTLEY	DIRECTOR PAST	0.75	Director	$0	$0	$0
DAISY PEREIRA-TOSADO	DIRECTOR PAST	0.75	Director	$0	$0	$0
SUZANNE PARKER	EXECUTIVE DIRECTOR	40.00	Officer	$116,782	$8,203	$124,985

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	No data	No data	No data	No data
2024	$2,437,790	$2,479,021	$6,845,302	$-41,231
2023	$2,821,867	$2,228,313	$6,734,773	$593,554
2022	$3,005,139	$1,848,036	$4,601,447	$1,157,103
2021	$2,068,336	$1,673,816	$3,335,640	$394,520
2020	$2,632,609	$1,731,878	$2,753,100	$900,731