CABOT BOSTON CREDIT UNION (EIN 046053292) - 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

1941

Legal Domicile

Phone

6173426154

Tax Period

2024-01-01 to 2024-12-31

CABOT BOSTON CREDIT UNION, founded in 1941, is a small nonprofit that reported $231K in total revenue in fiscal year 2024. Expenses of $400K exceeded revenue, resulting in a 73% operating deficit.

Mission

Cabot Boston Credit Union is a credit union for US based employees of Cabot Corporation providing savings and loan products to members and their families for prudent and productive purposes.

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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 $0

Program Service Revenue $153,270

Investment Income $75,635

Other Revenue $2,223

TOTAL REVENUE $231,128

Expense Breakdown

Grants Paid $0

Salaries & Benefits $218,867

Fundraising Expenses $0

Program Expenses $41,128

Other Expenses $172,422

TOTAL EXPENSES $399,872

Year-over-Year Comparison

	2024	2023	Change
Revenue	$231,128	$237,315	0.0%
Expenses	$399,872	$284,711	+0.4%
Net Income	$-168,744	$-47,396	+2.6%

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

N/A

Employees

N/A

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
Marta A Carney-Smith	Manager - CEO	40.00	Key Emp	$0	$0	$0
Marybeth Nolan	Assistant Manager	40.00	Key Emp	$0	$0	$0
Jesson Christosthomme	Vice Chair - Clerk	2.00	Officer	$0	$0	$0
Philip H Doiron	Chairman of the Board	2.00	Officer	$0	$0	$0
Viktoriya Shteyn-Bohl	Treasurer	2.00	Officer	$0	$0	$0
Elizabeth A Berg	Director	2.00	Director	$0	$0	$0
Karen M Bishop	Director	2.00	Director	$0	$0	$0
Gina c Liporto	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
2024	$231,128	$399,872	$4,851,881	$-168,744
2023	$237,315	$284,711	$6,024,756	$-47,396
2022	$177,652	$235,383	$6,847,602	$-57,731
2021	$226,466	$235,185	$7,207,959	$-8,719
2020	$219,027	No data	$7,303,018	No data

CABOT BOSTON CREDIT UNION