CANADIAN AMERICAN CLUB OF MASSACHUSETTS INC (EIN 222582457) - 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

1990

Legal Domicile

Principal Officer

BERNIE DOUCET

Phone

6179249827

Tax Period

2024-06-01 to 2025-05-31

CANADIAN AMERICAN CLUB OF MASSACHUSETTS INC, founded in 1990, is a micro nonprofit that reported $50K in total revenue in fiscal year 2024. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $58K exceeded revenue, resulting in a 15% operating deficit.

Mission

CLUB ORGANIZED FOR PLEASURE AND RECREATION

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $50,050

TOTAL REVENUE $50,050

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $4,127

Other Expenses $57,611

TOTAL EXPENSES $57,611

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,050	$67,269	-0.3%
Expenses	$57,611	$60,250	0.0%
Net Income	$-7,561	$7,019	-2.1%

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
BERNIE DOUCET	PRESIDENT	2.00	Officer Director	$0	$0	$0
GORDON AUCOIN	VICE-PRESIDENT	2.00	Officer Director	$0	$0	$0
SARA THOMAS	TREASURER	4.00	Officer Director	$0	$0	$0
KATHY FLETCHER	MEMBERSHIP SECRETARY	1.00	Officer Director	$0	$0	$0
TERRY MACDONALD	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
ANN BATHERSON	DIRECTOR	1.00	Director	$0	$0	$0
LUCINDA BRANDT	DIRECTOR	1.00	Director	$0	$0	$0
SIL DIRICO	DIRECTOR	1.00	Director	$0	$0	$0
JON GERSH	DIRECTOR	1.00	Director	$0	$0	$0
LORRAINE LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
BONNIE MARSH	DIRECTOR	1.00	Director	$0	$0	$0
PAUL MUSOW	DIRECTOR	1.00	Director	$0	$0	$0
JEN SCHOONOVER	DIRECTOR	1.00	Director	$0	$0	$0
GAWAIN THOMAS	DIRECTOR	1.00	Director	$0	$0	$0
DAN WHEATLY	DIRECTOR	1.00	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	$50,050	$57,611	$33,669	$-7,561
2024	$67,269	$60,250	$41,230	$7,019
2023	$31,813	$22,171	$54,825	$9,642
2022	$45,541	$42,960	$45,183	$2,581
2021	$44,634	$44,843	$42,602	$-209
2020	$28,067	$49,420	$42,811	$-21,353
2019	$58,488	$71,971	$64,164	$-13,483

CANADIAN AMERICAN CLUB OF MASSACHUSETTS INC