CHARLES RIVER TRANSPORTATION MANAGEMENT ASSOCIATION INC (EIN 043273602) - 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

1995

Legal Domicile

Principal Officer

MICHAEL K O'HEARN

Phone

8572856520

Tax Period

2024-01-01 to 2024-12-31

CHARLES RIVER TRANSPORTATION MANAGEMENT ASSOCIATION INC, founded in 1995, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2024.

Mission

CHARLES RIVER TMA IS ORGANIZED TO REDUCE TRAFFIC CONGESTION AND IMPROVE AIR QUALITY BY DEVELOPING PROGRAMS AND POLICIES THAT ENCOURAGE COMMUTERS TO USE ALTERNATIVES TO SINGLE OCCUPANT VEHICLES.

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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 $166,000

Program Service Revenue $3,336,992

Investment Income $55,840

Other Revenue $0

TOTAL REVENUE $3,558,832

Expense Breakdown

Grants Paid $0

Salaries & Benefits $240,701

Fundraising Expenses $0

Program Expenses $3,364,837

Other Expenses $3,390,800

TOTAL EXPENSES $3,631,501

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,558,832	$3,692,069	0.0%
Expenses	$3,631,501	$2,945,018	+0.2%
Net Income	$-72,669	$747,051	-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

$140,699

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES GASCOIGNE	EXECUTIVE DI	40.00	Officer	$112,500	$28,199	$140,699
ELAINE BENSON	ASSISTANT TR	1.00	Officer Director	$0	$0	$0
STEPHEN CRUSCO	SECRETARY	1.00	Officer Director	$0	$0	$0
THOMAS GIANINO	TREASURER	1.00	Officer Director	$0	$0	$0
JEFFREY MCCOMISH	ASSISTANT TR	1.00	Officer Director	$0	$0	$0
MARK MILONE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
MICHAEL K O'HEARN	PRESIDENT	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
2024	$3,558,832	$3,631,501	$6,662,042	$-72,669
2023	$3,692,069	$2,945,018	$6,580,767	$747,051
2022	$3,229,877	$2,841,895	$6,009,559	$387,982
2021	$3,433,111	$2,795,910	$5,311,502	$637,201
2020	$3,380,433	$2,885,698	$4,554,550	$494,735
2019	$3,201,815	$2,718,964	$4,191,206	$482,851
2018	$3,078,428	$2,830,361	$3,477,482	$248,067

CHARLES RIVER TRANSPORTATION MANAGEMENT ASSOCIATION INC