CITIZENS FOR CITIZENS 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

1965

Legal Domicile

Principal Officer

ELIZABETH BERUBE

Phone

5086790041

Tax Period

2023-10-01 to 2024-09-30

CITIZENS FOR CITIZENS INC, founded in 1965, is a mid-sized nonprofit in the Community Improvement sector that reported $44.0M in total revenue in fiscal year 2023.

Mission

TO ADVOCATE ON BEHALF OF LOW-INCOME RESIDENTS AND ADDRESS THE CAUSES AND EFFECTS OF POVERTY THROUGH THE PROVISION OF DIRECT AND INTEGRATED SERVICES, THE PROMOTION OF SELF-SUFFICIENCY, AND THE ADVANCEMENT OF SOCIAL CHANGE.

Program Service Accomplishments

Program 1

Expenses: $24,480,109

ENERGY PROGRAMS ASSIST ELIGIBLE HOUSEHOLDS TO PAY THEIR HEATING BILLS; PROVIDE REPAIRS AND REPLACEMENT OF HEATERS TO HOMEOWNERS AND TENANTS; PROVIDE INSULATION, AIR SEALING AND PERFORM HEALTH AND...

ENERGY PROGRAMS ASSIST ELIGIBLE HOUSEHOLDS TO PAY THEIR HEATING BILLS; PROVIDE REPAIRS AND REPLACEMENT OF HEATERS TO HOMEOWNERS AND TENANTS; PROVIDE INSULATION, AIR SEALING AND PERFORM HEALTH AND SAFETY TESTING AT NO COST TO HOMEOWNERS OR TENANTS; AND PROVIDE ENERGY EFFICIENT LIGHT BULBS AND DETERMINES IF HOMEOWNERS OR TENANTS QUALIFIES FOR AN ENERGY EFFICIENT REFRIGERATOR TO REPLACE AN EXISTING HIGH USE REFRIGERATOR.

Program 2

Expenses: $10,135,979 Revenue: $10,032

HEAD START PROGRAMS PROVIDES COMPREHENSIVE EDUCATION, HEALTH, NUTRITION AND SOCIAL SERVICES TO PRE-SCHOOL CHILDREN AGES 2.9 - 5 YEARS OF AGE FROM INCOME ELIGIBLE FAMILIES; AND PROVIDE SERVICES FOR...

HEAD START PROGRAMS PROVIDES COMPREHENSIVE EDUCATION, HEALTH, NUTRITION AND SOCIAL SERVICES TO PRE-SCHOOL CHILDREN AGES 2.9 - 5 YEARS OF AGE FROM INCOME ELIGIBLE FAMILIES; AND PROVIDE SERVICES FOR LOW-INCOME EXPECTANT COUPLES AND FAMILIES WITH INFANTS AND TODDLERS TO ENHANCE THE CHILDREN'S DEVELOPMENT DURING THEIR FIRST THREE YEARS.

Program 3

Expenses: $2,655,376 Revenue: $163,825

CHILD CARE PROGRAMS INCLUDE A CENTER-BASED PROGRAM GEARED FOR SCHOOL-AGED CHILDREN AND PROVIDES A SAFE AND INFORMAL EDUCATIONAL ENVIRONMENT FOR THE CHILDREN WHILE THE PARENTS ARE WORKING, ATTENDING SCHOOL, ENROLLED IN A JOB TRAINING PROGRAM, OR PARTICIPATING IN A PROGRAM OFFERED BY THE MASSACHUSETTS DEPARTMENT OF EARLY EDUCATION AND CARE (EEC); A YEAR-ROUND SCHOOL-BASED PROGRAM FOR CHILDREN AND PROVIDES A SAFE AND INFORMAL EDUCATION ENVIRONMENT FOR THE CHILDREN AT THE END OF THE SCHOOL DAY; AND A HOME-BASED PROGRAM GEARED FOR A MIXED AGE GROUP WHICH INCLUDES INFANTS, TODDLERS, AND PRESCHOOLERS AND PROVIDES A SAFE, HEALTHY, NURTURING ENVIRONMENT FOR YOUNG CHILDREN WHILE THE PARENT/PARENTS ARE WORKING, ATTENDING SCHOOL, SEEKING EMPLOYMENT OR PARTICIPATING IN A PROGRAM OFFERED BY THE MASSACHUSETTS DEPARTMENT OF CHILDREN AND FAMILIES (DCF) AND/OR EEC.

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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 $43,525,568

Program Service Revenue $455,165

Investment Income $12,083

Other Revenue $180

TOTAL REVENUE $43,992,996

Expense Breakdown

Grants Paid $21,726,741

Salaries & Benefits $14,951,902

Fundraising Expenses $2,762

Program Expenses $41,321,616

Other Expenses $6,532,224

TOTAL EXPENSES $43,210,867

Year-over-Year Comparison

	2023	2022	Change
Revenue	$43,992,996	$41,325,730	+0.1%
Expenses	$43,210,867	$40,552,783	+0.1%
Net Income	$782,129	$772,947	+0.0%

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

309

Volunteers

450

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

$515,433

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKIE CUMMINGS	DIRECTOR	1.00	Director	$0	$0	$0
EUGENE J KOSINSKI JR	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA OLIVEIRA	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BORGES	SECRETARY	2.00	Officer Director	$0	$0	$0
MELISSA CARDELLI	DIRECTOR	1.00	Director	$0	$0	$0
JENY GONZALEZ	2ND VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JAMIE BEANE	1ST VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MARIANNE MOORE	DIRECTOR	1.00	Director	$0	$0	$0
MARIA FERREIRA-BEDARD	PRESIDENT	2.00	Officer Director	$0	$0	$0
SOPHIA ROSANA HUNT	DIRECTOR	1.00	Director	$0	$0	$0
TRACY HEGAR	DIRECTOR	1.00	Director	$0	$0	$0
JANICE HEPPE	DIRECTOR	1.00	Director	$0	$0	$0
JOAN COWEN	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA FRIAS	DIRECTOR	1.00	Director	$0	$0	$0
BEN COOPER	TREASURER	2.00	Officer Director	$0	$0	$0
SUSAN GUIKEMA-ROACH	CHIEF FINANCIAL OFFICER	35.00	Officer	$136,071	$38,692	$174,763
ELIZABETH BERUBE	EXECUTIVE DIRECTOR	35.00	Officer	$184,131	$10,826	$194,957
GARTH PATTERSON	DEPUTY DIRECTOR	35.00	Officer	$137,727	$7,986	$145,713
LYNDA SAMPSON	DIRECTOR FAMILY PLANNING	35.00	Highest	$131,889	$7,691	$139,580
PAMELA WILDNAUER	DIRECTOR HEAD START	35.00	Highest	$113,785	$25,345	$139,130

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	$43,992,996	$43,210,867	$17,077,592	$782,129
2023	$41,325,730	$40,552,783	$15,142,285	$772,947
2022	$43,618,924	$43,121,476	$13,809,483	$497,448
2021	$29,399,731	$28,272,663	$12,279,316	$1,127,068
2020	$27,391,631	$25,882,984	$11,060,260	$1,508,647
2019	$30,103,440	$28,802,697	$9,339,717	$1,300,743
2018	$26,835,086	$26,505,010	$7,556,598	$330,076