CARD INC (MILL POND) C/O PEABODY PROPERTIES INC (EIN 042761758) - 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

PETER FARDIG

Phone

7817941000

Tax Period

2024-07-01 to 2025-06-30

CARD INC (MILL POND) C/O PEABODY PROPERTIES INC, founded in 1981, is a community nonprofit in the Housing & Shelter sector that reported $1.5M in total revenue in fiscal year 2024. The organization ran a surplus of $366K, a strong 25% operating margin.

Mission

PROVIDE LOW-INCOME HOUSING FACILITIES TO THE ELDERLY AND HANDICAP.

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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 $0

Program Service Revenue $1,377,189

Investment Income $85,690

Other Revenue $5,053

TOTAL REVENUE $1,467,932

Expense Breakdown

Grants Paid $0

Salaries & Benefits $254,263

Fundraising Expenses $0

Program Expenses $770,109

Other Expenses $847,250

TOTAL EXPENSES $1,101,513

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,467,932	$1,376,452	+0.1%
Expenses	$1,101,513	$1,773,753	-0.4%
Net Income	$366,419	$-397,301	-1.9%

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
GINO FRATTALLONE	BOARD MEMBER	1.00	Director	$0	$0	$0
PETER FARGID	PRESIDENT	1.00	Officer Director	$0	$0	$0
RICHARD LARRABEE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KIM LANDRY	TREASURER	1.00	Officer 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	$1,467,932	$1,101,513	$5,661,426	$366,419
2024	No data	No data	No data	No data
2023	$854,809	$1,143,497	$5,861,640	$-288,688
2022	$1,178,917	$904,974	$3,460,348	$273,943
2021	$1,210,740	$916,113	$3,219,421	$294,627
2020	$993,476	$801,562	$2,982,145	$191,914
2019	$966,124	$913,268	$2,844,796	$52,856
2018	$922,724	$830,494	$2,777,286	$92,230

CARD INC (MILL POND) C/O PEABODY PROPERTIES INC