CAMBRIDGE NEIGHBORS INC (EIN 205332882) - 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

2006

Legal Domicile

Phone

6178641715

Tax Period

2024-01-01 to 2024-12-31

CAMBRIDGE NEIGHBORS INC, founded in 2006, is a small nonprofit in the Human Services sector that reported $294K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $252K left a modest 14% surplus.

Mission

TO PROVIDE RESIDENTS OF CAMBRIDGE, BELMONT, ARLINGTON, WATERTOWN AND SOMERVILLE MASSACHUSETTS OVER THE AGE OF 60 THE PRACTICAL MEANS OF CONFIDENCE TO LIVE THEIR LIVES TO THE FULLEST IN THEIR OWN HOMES AS THEY GROW OLDER AND TO CARRY ON ACTIVITIES IN SUPPORT OF THE MISSION.

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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 $117,942

Program Service Revenue $160,686

Investment Income $15,272

Other Revenue $399

TOTAL REVENUE $294,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,526

Fundraising Expenses $6,853

Program Expenses $215,906

Other Expenses $97,809

TOTAL EXPENSES $252,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$294,299	$260,821	+0.1%
Expenses	$252,335	$278,845	-0.1%
Net Income	$41,964	$-18,024	-3.3%

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

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

$80,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jan Latorre-Stiller	Executive Director	25.00	Key Emp	$80,000	$0	$80,000
Jan Kinasewich	Director	1.00	Director	$0	$0	$0
Jay Lorsch	Director	1.00	Director	$0	$0	$0
Claudia Albert	Director	1.00	Director	$0	$0	$0
Peter White	Director	1.00	Director	$0	$0	$0
Rachel McCaw-Navin	Director	1.00	Director	$0	$0	$0
Janet Whitla	Director	1.00	Director	$0	$0	$0
Lotte Bailyn	Director	1.00	Director	$0	$0	$0
Judy Lindamood	Director	1.00	Director	$0	$0	$0
Emily Flax	Director	1.00	Director	$0	$0	$0
Tom Novak	Treasurer	1.00	Officer Director	$0	$0	$0
Helene Quinn	Secretary	1.00	Officer Director	$0	$0	$0
Nancy Carlson	Vice President	1.00	Officer Director	$0	$0	$0
Anna Whitcomb	President	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
2024	$294,299	$252,335	$598,324	$41,964
2023	$260,821	$278,845	$598,795	$-18,024
2022	$248,893	$231,241	$449,369	$17,652
2021	$524,823	$220,631	$455,000	$304,192
2020	$225,269	$209,511	$181,429	$15,758
2019	$265,008	$266,854	$155,391	$-1,846
2018	$291,577	$278,524	$173,095	$13,053

CAMBRIDGE NEIGHBORS INC