YOUNG MENS CHRISTIAN ASSOCIATION OF NORT HERN MIDDLESEX COUNTY INC (EIN 060646981) - 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

1886

Legal Domicile

Principal Officer

MICHELE RULNICK

Phone

8603476907

Tax Period

2024-01-01 to 2024-12-31

YOUNG MENS CHRISTIAN ASSOCIATION OF NORT HERN MIDDLESEX COUNTY INC, founded in 1886, is a community nonprofit in the Human Services sector that reported $8.6M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 21% operating margin.

Mission

THE NORTHERN MIDDLESEX YMCA OFFERS A PATH TOWARD A FULLER, MORE PRODUCTIVE LIFE. THE YMCA WILLPROVIDE TO A BROAD SPECTRUM OF OUR COMMUNITY, HIGH QUALITY PROGRAMS, SERVICES AND FACILITIES THAT IMPROVE INDIVIDUAL AND FAMILY LIFE, ENCOURAGE HEALTHIER LIFESTYLES AND ASSIST YOUTH IN DEVELOPING INTO RESPONSIBLE ADULTHOOD.

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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 $3,468,593

Program Service Revenue $4,695,714

Investment Income $347,621

Other Revenue $110,187

TOTAL REVENUE $8,622,115

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,459,385

Fundraising Expenses $219,711

Program Expenses $5,692,307

Other Expenses $2,359,906

TOTAL EXPENSES $6,819,291

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,622,115	$7,118,872	+0.2%
Expenses	$6,819,291	$6,327,085	+0.1%
Net Income	$1,802,824	$791,787	+1.3%

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

327

Volunteers

137

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

$441,851

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW TANAKA	CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT PARRY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROHAN MANNING	TREASURER	1.00	Officer Director	$0	$0	$0
KELLY SMITH	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHANNA BOND	DIRECTOR	1.00	Director	$0	$0	$0
JEREMY BOURRET	DIRECTOR	1.00	Director	$0	$0	$0
CAROL BUCHANAN	DIRECTOR	1.00	Director	$0	$0	$0
PHILIP CACCIOLA	DIRECTOR	1.00	Director	$0	$0	$0
ERIK COSTA	DIRECTOR	1.00	Director	$0	$0	$0
BEN DAIGLE	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW MILLIKEN	DIRECTOR	1.00	Director	$0	$0	$0
KARLA RODRIGUEZ	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH SAMOLIS	DIRECTOR	1.00	Director	$0	$0	$0
KAREN WARREN	DIRECTOR	1.00	Director	$0	$0	$0
FRANTZ WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE RULNICK	PRESIDENT/CEO	40.00	Officer	$218,510	$22,250	$240,760
NATALIE GARRISON	FINANCE DIRECTOR	40.00	Officer	$66,639	$14,701	$81,340
CANDACE CRANE	VP OF YOUTH DEVELOPMENT & COMMUNITY RELATIONS	40.00	Officer	$101,966	$17,785	$119,751

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	$8,622,115	$6,819,291	$18,093,303	$1,802,824
2023	$7,118,872	$6,327,085	$16,172,433	$791,787
2022	$7,063,729	$5,743,006	$15,151,348	$1,320,723
2021	$7,013,364	$5,060,461	$15,014,554	$1,952,903
2020	$4,718,627	$4,803,472	$12,554,921	$-84,845
2019	$6,619,822	$5,699,024	$12,077,472	$920,798
2018	$6,410,259	$5,638,044	$11,117,978	$772,215

YOUNG MENS CHRISTIAN ASSOCIATION OF NORT HERN MIDDLESEX COUNTY INC