CAMBRIDGE COMMUNITY FOUNDATION (EIN 046012492) - 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

1916

Legal Domicile

Principal Officer

PHIL JOHNSON

Phone

6175769966

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE COMMUNITY FOUNDATION, founded in 1916, is a mid-sized nonprofit in the Philanthropy & Grantmaking sector that reported $11.8M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $4.8M, a strong 41% operating margin.

Mission

CAMBRIDGE COMMUNITY FOUNDATION (CCF) IS DEDICATED TO IMPROVING THE QUALITY OF LIFE FOR THE RESIDENTS OF CAMBRIDGE. FOUNDED IN 1916, CCF SERVES THE CITY THROUGH ITS CIVIC LEADERSHIP AND SUPPORT OF NONPROFIT COMMUNITY ORGANIZATIONS.

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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 $5,873,597

Program Service Revenue $0

Investment Income $5,867,595

Other Revenue $85,240

TOTAL REVENUE $11,826,432

Expense Breakdown

Grants Paid $4,003,935

Salaries & Benefits $2,226,377

Fundraising Expenses $590,778

Program Expenses $5,410,771

Other Expenses $750,320

TOTAL EXPENSES $6,980,632

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,826,432	$10,188,009	+0.2%
Expenses	$6,980,632	$7,623,052	-0.1%
Net Income	$4,845,800	$2,564,957	+0.9%

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

$251,821

Total Directors

Key Employees

$347,756

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GEETA PRADHAN	PRESIDENT/EXECUTIVE DIRECTOR	40.00	Officer	$221,524	$30,297	$251,821
MICHAL RUBIN	VP OF PHILANTHROPIC PARTNERSHIPS	40.00	Key Emp	$167,066	$6,313	$173,379
GEOFFREY O'CONNELL	CFO	40.00	Key Emp	$152,359	$22,018	$174,377
LAUREN MARSHALL	VP OF MARKETING & CIVIC ENGAGEMENT	40.00	Highest	$137,210	$23,129	$160,339
ELIZABETH PATTON	CHIEF OF STAFF	40.00	Highest	$122,548	$4,921	$127,469
CHRISTINA TURNER	VP OF PROGRAMS & GRANTMAKING	40.00	Highest	$139,777	$12,743	$152,520
WEN LO	FINANCE OFFICER	40.00	Highest	$121,648	$10,629	$132,277
N/A	TRUSTEE	40.00		$266,585	$0	$266,585
N/A	TRUSTEE	40.00		$40,569	$0	$40,569
PHIL JOHNSON	BOARD CHAIRMAN	8.00	Officer Director	$0	$0	$0
BETH MILKOVITS	INTERIM TREASURER	2.00	Officer Director	$0	$0	$0
ANDUS BAKER	DIRECTOR	2.00	Director	$0	$0	$0
TY BELLITTI	DIRECTOR	2.00	Director	$0	$0	$0
FRANTZ BIEN-AIME	TRUSTEE	2.00	Director	$0	$0	$0
BRIAN E BURKE	DIRECTOR	2.00	Director	$0	$0	$0
LAUREN S COSULICH	DIRECTOR	2.00	Director	$0	$0	$0
JUDITH CRANNA	DIRECTOR	2.00	Director	$0	$0	$0
ED FIEJO	DIRECTOR	2.00	Director	$0	$0	$0
SARAH GALLOP	DIRECTOR	2.00	Director	$0	$0	$0
RICK GRUDZINSKI	DIRECTOR	2.00	Director	$0	$0	$0
DANIEL S KERN	DIRECTOR	2.00	Director	$0	$0	$0
WINIFRED LENIHAN	DIRECTOR	2.00	Director	$0	$0	$0
HAMBLETON LORD	TRUSTEE	2.00	Director	$0	$0	$0
MICHAEL MONESTIME	DIRECTOR	2.00	Director	$0	$0	$0
GAIL ROBERTS	DIRECTOR	2.00	Director	$0	$0	$0
JAMES ROOSEVELT JR	TRUSTEE	2.00	Director	$0	$0	$0
DENIS SHEAHAN	TRUSTEE	2.00	Director	$0	$0	$0
TODD SPERRY	DIRECTOR	2.00	Director	$0	$0	$0
LORRAINE THORNHILL	DIRECTOR	2.00	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	$11,826,432	$6,980,632	$68,873,102	$4,845,800
2024	$10,188,009	$7,623,052	$62,720,429	$2,564,957
2023	$9,057,773	$6,014,600	$55,289,587	$3,043,173
2022	$9,505,977	$5,356,135	$50,483,194	$4,149,842
2021	$8,744,130	$6,595,374	$55,258,879	$2,148,756
2020	$4,512,445	$4,860,298	$45,615,345	$-347,853
2019	$5,780,353	$3,293,340	$44,503,901	$2,487,013

CAMBRIDGE COMMUNITY FOUNDATION