MASSACHUSETTS ASSOCIATION OF CAMPGROUND OWNERS INC (EIN 042800860) - 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

1974

Legal Domicile

Phone

4017148646

Tax Period

2024-01-01 to 2024-12-31

MASSACHUSETTS ASSOCIATION OF CAMPGROUND OWNERS INC, founded in 1974, is a micro nonprofit that reported $94K in total revenue in fiscal year 2024. Expenses of $128K exceeded revenue, resulting in a 37% operating deficit.

Mission

To promote Family camping in 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 (2024)

Revenue Breakdown

Contributions & Grants $46,716

Program Service Revenue $0

Investment Income $39

Other Revenue $47,102

TOTAL REVENUE $93,857

Expense Breakdown

Grants Paid $0

Salaries & Benefits $36,703

Fundraising Expenses $0

Program Expenses $70,805

Other Expenses $91,719

TOTAL EXPENSES $128,422

Year-over-Year Comparison

	2024	2023	Change
Revenue	$93,857	N/A	N/A
Expenses	$128,422	N/A	N/A
Net Income	$-34,565	N/A	N/A

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

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

$34,059

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA ZBIERSKI	PRESIDENTCEO	35.00	Officer	$34,059	$0	$34,059
DENISE DIAS	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICIA HUBBARD	BROAD MEMBER	1.00	Director	$0	$0	$0
MICHAEL GINGRAS	BROAD MEMBER	1.00	Director	$0	$0	$0
DONNA GINGRAS	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL OROURKE	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN SAUNDERS	PAST CHAIRMAN	1.00	Director	$0	$0	$0
DAN WEAVER	CHAIRMAN	5.00	Officer	$0	$0	$0
ROGER GINGRAS	SECOND VICE CHAIR	1.00	Officer	$0	$0	$0
BARRY JOHNSON	FIRST VICE CHAIR	1.00	Officer	$0	$0	$0
JACLYN PACKARD DEACETIS	TREASURER	3.00	Officer	$0	$0	$0
ANNA KUZIA	SECRETARY	1.00	Officer	$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	No data	No data	No data	No data
2024	$93,857	$128,422	$194,454	$-34,565
2023	$101,041	$97,893	$229,496	$3,148
2022	$168,246	$176,777	$227,943	$-8,531
2021	$115,262	$91,505	$234,632	$23,757
2020	$99,689	$89,666	$210,761	$10,023
2019	$96,014	$97,167	$200,622	$-1,153

MASSACHUSETTS ASSOCIATION OF CAMPGROUND OWNERS INC