IBM Club - Massachusetts (EIN 202941199) - 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

2005

Legal Domicile

Phone

9788994237

Tax Period

2019-01-01 to 2019-12-31

IBM Club - Massachusetts, founded in 2005, is a micro nonprofit that reported $865 in total revenue in fiscal year 2019. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $12K exceeded revenue, resulting in a 1335% operating deficit.

Mission

The mission of the IBM Club is to strengthen IBM's values by creating a robust community where all IBM employees have the opportunity to connect & interact with each other through a variety of recreational, social and cultural activities outside of the workplace.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $764

Investment Income $101

Other Revenue $0

TOTAL REVENUE $865

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $11,603

Other Expenses $12,411

TOTAL EXPENSES $12,411

Year-over-Year Comparison

	2019	2018	Change
Revenue	$865	$2,009	-0.6%
Expenses	$12,411	$15,010	-0.2%
Net Income	$-11,546	$-13,001	-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
William Coakley	President	1.00	Officer Director	$0	$0	$0
Ye Ser Kim	Site Rep	1.00	Director	$0	$0	$0
Julia Brennan	Secretary	1.00	Officer Director	$0	$0	$0
Chris Oak	Director	1.00	Director	$0	$0	$0
Hector Constantzos	Communications	1.00	Director	$0	$0	$0
Fiona Moffett	Oversight Manag	1.00	Director	$0	$0	$0
Norma Keenan	Member At Large	1.00	Director	$0	$0	$0
Martha McGovern	Member At Large	1.00	Director	$0	$0	$0
Cordula Rafalko	Site Rep	1.00	Director	$0	$0	$0
Michele Shields	Treasurer	1.00	Officer 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
2019	$865	$12,411	$500,595	$-11,546
2018	$2,009	$15,010	$512,141	$-13,001

IBM Club - Massachusetts