PIONEER VALLEY SYMPHONY 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

1955

Legal Domicile

Principal Officer

Lauren Ostberg

Phone

4137733664

Tax Period

2024-07-01 to 2025-06-30

PIONEER VALLEY SYMPHONY INC, founded in 1955, is a small nonprofit in the Arts, Culture & Humanities sector that reported $295K in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $503K exceeded revenue, resulting in a 70% operating deficit.

Mission

The Pioneer Valley Symphony connects, inspires and enhances our community by providing opportunities to appreciate, make, and learn about music.

Program Service Accomplishments

Program 1

Expenses: $343,080 Revenue: $197,492

Presented orchestral and choral concerts and provided music instruction.

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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 $81,163

Program Service Revenue $197,492

Investment Income $16,539

Other Revenue $0

TOTAL REVENUE $295,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $264,333

Fundraising Expenses $0

Program Expenses $343,080

Other Expenses $238,821

TOTAL EXPENSES $503,154

Year-over-Year Comparison

	2024	2023	Change
Revenue	$295,194	$667,987	-0.6%
Expenses	$503,154	$440,221	+0.1%
Net Income	$-207,960	$227,766	-1.9%

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

Total Directors

Key Employees

$61,939

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janna Walters-Gidson	Executive Director - Past	40	Key Emp	$32,271	$0	$32,271
Joanna Walker	Executive Director	40	Key Emp	$29,668	$0	$29,668
Lauren Ostberg	Director	2	Director	$0	$0	$0
Maureen Carney	Director	2	Director	$0	$0	$0
Aaron Lakota	Director	2	Director	$0	$0	$0
Benedict Smar	Director	2	Director	$0	$0	$0
John Thomas	Director	2	Director	$0	$0	$0
Ronald Weiss	Director	2	Director	$0	$0	$0
Kara Peterman	President	2	Officer	$0	$0	$0
Cecilia R Berger	Vice President	2	Officer	$0	$0	$0
Ian Coddington	Treasurer	2	Officer	$0	$0	$0
Alexander Meade	Clerk	2	Officer	$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	$295,194	$503,154	$374,502	$-207,960
2024	No data	No data	No data	No data
2023	$275,255	$336,634	$116,161	$-61,379
2022	$211,284	$234,829	$186,263	$-23,545
2021	$204,764	$107,356	$208,070	$97,408
2019	$144,181	$153,365	$84,599	$-9,184
2018	$185,436	$155,227	$99,256	$30,209