MONADNOCK TRUST (EIN 046066555) - 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

1929

Legal Domicile

Principal Officer

NEIL ERICKSON

Phone

5086543100

Tax Period

2023-01-01 to 2023-12-31

MONADNOCK TRUST, founded in 1929, is a micro nonprofit in the Youth Development sector that reported $42K in total revenue in fiscal year 2023. Revenue fell 36% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $27K, a strong 64% operating margin.

Mission

THE ORGANIZATION'S MISSION IS ENVIRONMENTAL EDUCATION AND PERSONAL GROWTH FOR YOUTH IN THE AREA. IT MAKES AVAILABLE TO YOUTH REAL ESTATE AND SUMMER CAMP FACILITIES IN GARDNER AND ASHBURNHAM MASSACHUSETTS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $57,480

Program Service Revenue $0

Investment Income $-1,587

Other Revenue $-13,793

TOTAL REVENUE $42,100

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $14,973

Other Expenses $14,973

TOTAL EXPENSES $14,973

Year-over-Year Comparison

	2023	2022	Change
Revenue	$42,100	$65,592	-0.4%
Expenses	$14,973	$6,407	+1.3%
Net Income	$27,127	$59,185	-0.5%

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

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
EDWARD ATTER	TRUSTEE	2.00	Director	$0	$0	$0
JAY DRAKE	TRUSTEE	2.00	Director	$0	$0	$0
NEIL ERICKSON	TRUSTEE	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	No data	No data	No data	No data
2023	$42,100	$14,973	$1,913,707	$27,127
2022	$65,592	$6,407	$1,886,580	$59,185
2021	$41,300	$30,636	$1,827,395	$10,664
2020	$391,731	$15,000	$1,816,731	$376,731
2019	$1,009	$1,009	$1,691,000	No data
2018	$975	$975	$1,691,000	No data

MONADNOCK TRUST