MASSACHUSETTS SENIOR ACTION COUNCIL INC (EIN 042760902) - 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

1981

Legal Domicile

Principal Officer

CAROLYN VILLERS

Phone

6172841275

Tax Period

2024-04-01 to 2025-03-31

MASSACHUSETTS SENIOR ACTION COUNCIL INC, founded in 1981, is a community nonprofit in the Civil Rights & Advocacy sector that reported $1.6M in total revenue in fiscal year 2024. Revenue surged 206% from the prior year, signaling strong growth momentum. The organization ran a surplus of $860K, a strong 55% operating margin.

Mission

THE MASSACHUSETTS SENIOR ACTION COUNCIL, INC.'S (MSAC) MISSION IS TO PROVIDE A COLLECTIVE VOICE FOR SENIOR CITIZENS TO ADDRESS QUALITY-OF-LIFE CONCERNS IN VARIOUS AREAS INCLUDING HEALTH CARE, HOUSING AND SECURITY.

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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 $1,575,753

Program Service Revenue $0

Investment Income $3,465

Other Revenue $-6,847

TOTAL REVENUE $1,572,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $619,595

Fundraising Expenses $15,366

Program Expenses $645,686

Other Expenses $92,621

TOTAL EXPENSES $712,216

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,572,371	$513,400	+2.1%
Expenses	$712,216	$546,260	+0.3%
Net Income	$860,155	$-32,860	-27.2%

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

100

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

$104,354

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROSA BENTLEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
KAREN LYNCH	1ST VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MARY NAPOLITANO	2ND VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
BERNICE EZELL	SECRETARY	2.00	Officer Director	$0	$0	$0
MARTHA LONDON	TREASURER	2.00	Officer Director	$0	$0	$0
PAULETTE DURRETT	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE CORRIEA	DIRECTOR	1.00	Director	$0	$0	$0
EDNA PRUCE	DIRECTOR	1.00	Director	$0	$0	$0
MACK KNIGHT	DIRECTOR	1.00	Director	$0	$0	$0
LINDA FREEMAN	DIRECTOR	1.00	Director	$0	$0	$0
FRAN HUTCHINSON	DIRECTOR	1.00	Director	$0	$0	$0
VALERIE BONDS	DIRECTOR	1.00	Director	$0	$0	$0
RASHIDA AHMAD	DIRECTOR	1.00	Director	$0	$0	$0
MARLENE BAKSH	DIRECTOR	1.00	Director	$0	$0	$0
SMITTY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
MARY JOYNER	DIRECTOR	1.00	Director	$0	$0	$0
CALVIN WALKER	DIRECTOR	1.00	Director	$0	$0	$0
KAREN PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
TONY BASS	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN VILLERS	EXECUTIVE DIRECTOR	40.00	Officer	$94,914	$9,440	$104,354

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	$1,572,371	$712,216	$2,095,523	$860,155
2024	$513,400	$546,260	$1,241,988	$-32,860
2023	$585,195	$549,974	$793,429	$35,221
2021	$730,443	$635,387	$766,182	$95,056
2020	$672,965	$538,718	$682,117	$134,247
2019	$478,607	$430,823	$514,665	$47,784

MASSACHUSETTS SENIOR ACTION COUNCIL INC