ANNISQUAM 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

2005

Legal Domicile

Principal Officer

VICTORIA E MOSKAL

Phone

9782902583

Tax Period

2024-07-01 to 2025-06-30

ANNISQUAM ASSOCIATION INC, founded in 2005, is a small nonprofit in the Arts, Culture & Humanities sector that reported $365K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $192K, a strong 52% operating margin.

Mission

TO CARRY ON CIVIC AND SOCIAL SERVICE WORK IN THAT PART OF GLOUCESTER, MASSACHUSETTS KNOWN AS ANNISQUAM, TO PROMOTE THE COMMUNITY, LIBRARY, ARTISTIC, SOCIAL AND OTHER USES AND GATHERINGS, AND PROVIDE PLACES WHERE REST, RECREATION, ENTERTAINMENT AND INSTRUCTION MAY BE HAD.

Program Service Accomplishments

Program 1

Expenses: $125,960 Revenue: $41,026

THE ANNISQUAM ASSOCIATION PROVIDES COMMUNITY BUILDINGS AND SERVICES FOR THE USE AND ENJOYMENT OF THE VILLAGE OF ANNISQUAM; ITS PROGRAMS AND FUNCTIONS INCLUDE A LIBRARY, SEWING CIRCLE, HISTORICAL...

THE ANNISQUAM ASSOCIATION PROVIDES COMMUNITY BUILDINGS AND SERVICES FOR THE USE AND ENJOYMENT OF THE VILLAGE OF ANNISQUAM; ITS PROGRAMS AND FUNCTIONS INCLUDE A LIBRARY, SEWING CIRCLE, HISTORICAL SOCIETY, CONSIGNMENT SHOP AND ART GALLERY AS WELL AS THE MAINTENANCE OF THE VILLAGE HALL BUILDINGS FOR COMMUNITY FUNCTIONS.

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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 $240,732

Program Service Revenue $30,081

Investment Income $24,669

Other Revenue $69,873

TOTAL REVENUE $365,355

Expense Breakdown

Grants Paid $34,268

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $125,960

Other Expenses $139,451

TOTAL EXPENSES $173,719

Year-over-Year Comparison

	2024	2023	Change
Revenue	$365,355	$404,357	-0.1%
Expenses	$173,719	$190,618	-0.1%
Net Income	$191,636	$213,739	-0.1%

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

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
CHANDLER DAVIS PEARCE	PRESIDENT	2.00	Officer Director	$0	$0	$0
VICTORIA ELLWOOD MOSKAL	TREASURER	2.00	Officer Director	$0	$0	$0
JANET LANGER	SECRETARY	2.00	Officer Director	$0	$0	$0
STEVE HARRIS	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
EBEN S ANDREW	DIRECTOR	2.00	Director	$0	$0	$0
VICTORIA GODFREY	DIRECTOR	2.00	Director	$0	$0	$0
MARTHA HOOPER	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BISHOP	DIRECTOR	2.00	Director	$0	$0	$0
STEPHEN WILKINS	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	$365,355	$173,719	$1,694,819	$191,636
2024	No data	No data	No data	No data
2023	$407,945	$177,894	$1,251,013	$230,051
2022	$348,394	$144,344	$1,020,962	$204,050
2022	$348,294	$144,244	$1,020,962	$204,050
2021	$115,720	$44,463	$816,912	$71,257
2020	$92,707	$64,554	$745,655	$28,153
2019	$76,747	$71,362	$717,502	$5,385