EARLY LEARNING CHILD CARE INC (EIN 042813958) - 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

1984

Legal Domicile

Phone

5089963774

Tax Period

2024-07-01 to 2025-06-30

EARLY LEARNING CHILD CARE INC, founded in 1984, is a community nonprofit in the Education sector that reported $2.2M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $2.0M left a modest 10% surplus.

Mission

TO PROVIDE THE HIGHEST QUALITY AGE-APPROPRIATE EDUCATION AND CARE FOR YOUNG CHILDREN FROM LOW-INCOME FAMILIES AND FROM CULTURALLY DISADVANTAGED BACKGROUNDS IN THE GREATER NEW BEDFORD MASSACHUSETTS AREA.

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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 $381,650

Program Service Revenue $1,851,674

Investment Income $0

Other Revenue $1,128

TOTAL REVENUE $2,234,452

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,639,272

Fundraising Expenses $0

Program Expenses $1,817,461

Other Expenses $372,129

TOTAL EXPENSES $2,011,401

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,234,452	$1,990,625	+0.1%
Expenses	$2,011,401	$1,886,720	+0.1%
Net Income	$223,051	$103,905	+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

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

$106,365

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARJORIE URSINI	EXECUTIVE DIRECTOR	35.00	Key Emp	$106,365	$0	$106,365
MIKE VALLER	DIRECTOR	2.00	Director	$0	$0	$0
JUDY KNOX	DIRECTOR	2.00	Director	$0	$0	$0
STEPHANIE ZUREK	DIRECTOR	2.00	Director	$0	$0	$0
JANE WESTERNER	DIRECTOR	2.00	Director	$0	$0	$0
MICHELLE ARRUDA	CLERK	3.00	Officer Director	$0	$0	$0
GLORIA VILLANOBAL	PRESIDENT	3.00	Officer Director	$0	$0	$0
PAUL MELLO	TREASURER	3.00	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	$2,234,452	$2,011,401	$1,098,371	$223,051
2024	$1,990,625	$1,886,720	$883,555	$103,905
2023	$1,863,941	$1,806,342	$758,656	$57,599
2022	$1,681,261	$1,587,653	$698,762	$93,608
2021	$1,288,760	$1,158,396	$585,568	$130,364
2020	$1,114,608	$905,104	$566,740	$209,504
2019	$1,053,476	$1,099,344	$221,522	$-45,868
2018	$1,055,674	$1,038,251	$268,277	$17,423

EARLY LEARNING CHILD CARE INC