CAMBRIDGE CAMPING ASSOCIATION INC

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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

1905

Legal Domicile

Principal Officer

SONIA TUREK

Phone

6178640960

Tax Period

2025-01-01 to 2025-12-31

CAMBRIDGE CAMPING ASSOCIATION INC, founded in 1905, is a small nonprofit in the Recreation & Sports sector that reported $925K in total revenue in fiscal year 2025. Revenue decreased 14% compared to the prior year. The organization ran a surplus of $206K, a strong 22% operating margin.

Mission

CAMBRIDGE CAMPINGS MISSION IS TO PROVIDE MEANINGFUL SUMMER AND SCHOOL-YEAR EXPERIENCES TO UNDER-RESOURCED, URBAN CHILDREN IN SUPPORTIVE AND INCLUSIVE COMMUNITIES THROUGH ENRICHING AND INSPIRING PROGRAMS.

Program Service Accomplishments

Program 1

CAMBRIDGE CAMPING ASSOCIATION, INC. CCA, WAS FOUNDED IN 1893 AND INCORPORATED IN 1936 AS A 501C3 NONPROFIT CORPORATION, IN THE COMMONWEALTH OF MASSACHUSETTS.TRADITIONALLY, CCA HAS PROVIDED ACCESS TO SUMMER EXPERIENCES THROUGH ITS OWN AND PARTNER CAMPS. IN RECENT YEARS, THE ORGANIZATION EXPANDED SUPPORT FOR CAMPERS AND FAMILIES THROUGH YEAR-ROUND PROGRAMMING. CCA BELIEVES THAT CAMP REPRESENTS A UNIQUE AND SPECIAL SENSE OF COMMUNITY, MENTORSHIP, AND CONNECTION THE MAGIC OF CAMP IS AT THE ESSENCE OF CCAS YEAR-ROUND PROGRAMMING. THE ORGANIZATION SERVES MORE THAN 500 CAMPERS ANNUALLY, HAS NEVER DEPARTED FROM THE FOUNDING MISSION, AND IS DRIVEN BY THE SAME PASSION FOR ACCESS, EQUALITY AND SOCIAL JUSTICE WITH WHICH IT BEGAN.

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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 (2025)

Revenue Breakdown

Contributions & Grants $625,889

Program Service Revenue $97,258

Investment Income $202,295

Other Revenue $0

TOTAL REVENUE $925,442

Expense Breakdown

Grants Paid $0

Salaries & Benefits $465,533

Fundraising Expenses $58,440

Other Expenses $253,699

TOTAL EXPENSES $719,232

Year-over-Year Comparison

	2025	2024	Change
Revenue	$925,442	$1,072,111	-0.1%
Expenses	$719,232	$895,289	-0.2%
Net Income	$206,210	$176,822	+0.2%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SONIA TUREK	PRESIDENT	004.00	Officer Director	$0	$0	$0
MICHAEL CALLAGHAN	DIRECTOR	004.00	Director	$0	$0	$0
MAHUA HEATH	DIRECTOR	004.00	Director	$0	$0	$0
CARMELLE PHILIPPE	DIRECTOR	004.00	Director	$0	$0	$0
JIMENA CANALES	DIRECTOR	004.00	Director	$0	$0	$0
JOSIANE RIBASSI-HOULE	DIRECTOR	004.00	Director	$0	$0	$0
DAVE WOOD	VICE PRESIDENT	004.00	Officer Director	$0	$0	$0
CATHERINE BRADY	TREASURER	004.00	Officer Director	$0	$0	$0
MATTHEW CURTIS	DIRECTOR	004.00	Director	$0	$0	$0
SARA DeSIMONE	DIRECTOR	004.00	Director	$0	$0	$0
CAROLINE MORENO	DIRECTOR	004.00	Director	$0	$0	$0
LEO GAYNE	CLERK	004.00	Officer Director	$0	$0	$0
TARYN TETREAULT	DIRECTOR	004.00	Director	$0	$0	$0
ANDREW SPOONER	DIRECTOR	004.00	Director	$0	$0	$0
REV BENJAMIN ECHEVARRIA Jr	DIRECTOR	004.00	Director	$0	$0	$0
MELISSA PETIT HOMME	DIRECTOR	004.00	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	$925,442	$719,232	$2,773,533	$206,210
2024	$1,072,111	$895,289	$2,593,471	$176,822
2023	$1,252,466	$842,397	$2,447,731	$410,069
2022	$907,944	$936,463	$2,061,631	$-28,519
2021	$1,080,682	$695,432	$2,002,811	$385,250
2021	$1,080,682	$695,432	$2,002,811	$385,250
2020	$718,256	$449,168	$1,607,302	$269,088
2019	$1,035,786	$713,556	$1,337,660	$322,230
2018	$1,120,257	$661,846	$1,019,763	$458,411