JUNIOR ACHIEVEMENT OF SOUTHERN MA

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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

1993

Legal Domicile

Principal Officer

JEFFREY PELLETIER

Phone

5089976536

Tax Period

2022-07-01 to 2023-06-30

JUNIOR ACHIEVEMENT OF SOUTHERN MA, founded in 1993, is a small nonprofit in the International Affairs sector that reported $347K in total revenue in fiscal year 2022. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $444K exceeded revenue, resulting in a 28% operating deficit.

Mission

JUNIOR ACHIEVEMENT OF SOUTHERN MASSACHUSETTS IS PART OF THE WORLD'S LARGEST ORGANIZATION DEDICATED TO GIVING YOUNG PEOPLE THE KNOWLEDGE AND SKILL THEY NEED TO OWN THEIR ECONOMIC SUCCESS, PLAN FOR THEIR FUTURE, AND MAKE SMART ACADEMIC AND ECONOMIC CHOICES. OUR FINANCIAL LITERACY, WORK READINESS AND ENTREPRENEURSHIP PROGRAMS EMPOWER STUDENTS TO MAKE A CONNECTION BETWEEN WHAT THEY LEARN IN SCHOOL AND HOW IT CAN BE APPLIED IN THE REAL WORLD. THIS ENHANCES THE RELEVANCE OF THEIR CLASSROOM LEARNING AND INCREASES THEIR UNDERSTANDING OF THE VALUE OF STAYING IN SCHOOL.

Program Service Accomplishments

Program 1

Expenses: $353,770 Revenue: $1,336

FACILITATED PROGRAMS FOR BUSINESS EDUCATION CONDUCTED 91 LEARNING EXPERIENCES, REACHING 1,674 STUDENTS FOR 8,710 EDUCATIONAL CONTACT HOURS. JUNIOR ACHIEVEMENT ALSO PROVIDES INNOVATIVE FINANCIAL...

FACILITATED PROGRAMS FOR BUSINESS EDUCATION CONDUCTED 91 LEARNING EXPERIENCES, REACHING 1,674 STUDENTS FOR 8,710 EDUCATIONAL CONTACT HOURS. JUNIOR ACHIEVEMENT ALSO PROVIDES INNOVATIVE FINANCIAL LITERACY, CAREER READINESS AND ENTREPRENEURSHIP PROGRAMS OUTSIDE OF THE CLASSROOM INCLUDING OUR TITAN BUSINESS CHALLENGE PROGRAM FOR HIGH SCHOOL SENIORS WHICH PREPARES THEM FOR SUCCESS IN THE BUSINESS WORLD AND OUR SPARK PROGRAM FOR MIDDLE SCHOOL GIRLS WHICH BUILDS LEADERSHIP SKILLS AND PREPARES THEM TO BE FUTURE ENTREPRENEURS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $345,256

Program Service Revenue $0

Investment Income $197

Other Revenue $1,336

TOTAL REVENUE $346,789

Expense Breakdown

Grants Paid $0

Salaries & Benefits $251,633

Fundraising Expenses $43,050

Program Expenses $353,770

Other Expenses $192,001

TOTAL EXPENSES $443,634

Year-over-Year Comparison

	2022	2021	Change
Revenue	$346,789	$554,316	-0.4%
Expenses	$443,634	$491,655	-0.1%
Net Income	$-96,845	$62,661	-2.5%

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

132

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

$101,777

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW RODRIGUES	DIRECTOR	1.00	Director	$0	$0	$0
BOBBY BAILEY	DIRECTOR	1.00	Director	$0	$0	$0
CALVIN ARTERBERRY	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE PERRY	EXEC COMMITTEE AT LARGE	2.50	Officer Director	$0	$0	$0
GREGORY O'DONNELL	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER POTTER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CABRAL	DIRECTOR	1.00	Director	$0	$0	$0
JOHN LAPOINTE	DIRECTOR	1.00	Director	$0	$0	$0
KAYLA BOTELHO	DIRECTOR	1.00	Director	$0	$0	$0
KHERRI-LYNN DONNELLY	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY LIMA	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN GAUVIN	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE POULIN	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CORREIA	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL PATACAO	CHAIR	2.50	Officer Director	$0	$0	$0
MICHAEL SILVA	TREASURER	2.50	Officer Director	$0	$0	$0
NATHAN ARAUJO	IMMEDIATE PAST CHAIR	2.50	Officer Director	$0	$0	$0
NICK PAWLOWSKI	EXEC COMMITTEE AT LARGE	2.50	Officer Director	$0	$0	$0
PATRICK WALSH	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT FREGAULT	SECRETARY	2.50	Officer Director	$0	$0	$0
SADAF NORD	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA FARRAGHER	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY BURKE	DIRECTOR	1.00	Director	$0	$0	$0
VERNON MILES	EXEC COMMITTEE AT LARGE	2.50	Officer Director	$0	$0	$0
WAYNE SWENSON	DIRECTOR	1.00	Director	$0	$0	$0
WILLITTS MENDONCA	VICE CHAIR	2.50	Officer Director	$0	$0	$0
JEFFREY PELLETIER	PRESIDENT & CEO	40.00	Officer	$76,755	$13,669	$90,424
JACOB MILLER	PRESIDENT (JULY - OCT)	40.00	Officer	$10,587	$766	$11,353

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	No data	No data	No data	No data
2023	$346,789	$443,634	$274,600	$-96,845
2022	$554,316	$491,655	$375,832	$62,661
2021	$412,538	$275,572	$308,412	$136,966
2020	$365,273	$334,471	$195,867	$30,802
2019	$295,660	$289,331	$127,650	$6,329
2018	$289,746	$254,050	$119,053	$35,696