NEW ENGLAND BUSINESS ASSOCIATES INC (EIN 042790394) - 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

1982

Legal Domicile

Principal Officer

JEANNINE PAVLAK

Phone

4138219200

Tax Period

2024-07-01 to 2025-06-30

NEW ENGLAND BUSINESS ASSOCIATES INC, founded in 1982, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $2.8M left a modest 8% surplus.

Mission

SUPPORT EMPLOYMENT FOR DISABLED INDIVIDUALS.

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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 $2,616,799

Investment Income $130,890

Other Revenue $311,938

TOTAL REVENUE $3,059,627

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,267,516

Fundraising Expenses $0

Program Expenses $2,349,496

Other Expenses $558,084

TOTAL EXPENSES $2,825,600

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,059,627	$2,791,778	+0.1%
Expenses	$2,825,600	$2,790,644	+0.0%
Net Income	$234,027	$1,134	+205.4%

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

N/A

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

$137,626

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEANNINE PAVLAK	EXECUTIVE DIRECTOR	040.00	Key Emp	$137,626	$0	$137,626
DAVID HOFF	PRESIDENT	N/A	Officer Director	$0	$0	$0
JIM BOONE	DIRECTOR	N/A	Officer Director	$0	$0	$0
JOHANNA MALDONADO	DIRECTOR	N/A	Officer Director	$0	$0	$0
JACK O'MALLEY	TREASURER	N/A	Officer Director	$0	$0	$0
KARLENE SHEA	DIRECTOR	N/A	Officer Director	$0	$0	$0
SUSAN MAHONEY	VICE PRESIDENT	N/A	Officer Director	$0	$0	$0
TRACY VIOLA	DIRECTOR	N/A	Officer Director	$0	$0	$0
NANCY ALPINE	DIRECTOR	N/A	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	$3,059,627	$2,825,600	$2,834,179	$234,027
2024	$2,791,778	$2,790,644	$2,368,128	$1,134
2023	$3,314,219	$3,223,536	$2,629,976	$90,683
2022	$3,356,864	$3,188,855	$2,493,745	$168,009
2021	$3,428,748	$2,833,972	$2,755,662	$594,776
2020	$3,201,265	$3,051,373	$2,162,361	$149,892

NEW ENGLAND BUSINESS ASSOCIATES INC