Ashland Emergency Fund 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

1987

Legal Domicile

Phone

5083530273

Tax Period

2025-01-01 to 2025-12-31

Ashland Emergency Fund Inc, founded in 1987, is a small nonprofit that reported $168K in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $153K left a modest 9% surplus.

Mission

To provide temporary financial assistance to members of the Ashland MA community in need.

Program Service Accomplishments

Program 1

Expenses: $119,480

Distribution of money in the form of counter checks or debit card payments to corporations or individuals which are owed money by needy citizens in the Town of Ashland and for whom there is no near...

Program 2

Expenses: $33,475

Purchase of food and other necessary household items for the Ashland Food Pantry

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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 (2025)

Revenue Breakdown

Contributions & Grants $120,590

Program Service Revenue $0

Investment Income $47,878

Other Revenue $0

TOTAL REVENUE $168,468

Expense Breakdown

Grants Paid $152,955

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $152,955

Other Expenses $0

TOTAL EXPENSES $152,955

Year-over-Year Comparison

	2025	2024	Change
Revenue	$168,468	$141,744	+0.2%
Expenses	$152,955	$170,166	-0.1%
Net Income	$15,513	$-28,422	-1.5%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
ROLAND HOULE	Chairperson	Officer Director	$0	$0	$0
JOYCE CROCETTI	Treasurer	Officer Director	$0	$0	$0
JOHN TREFETHEN	Secretary	Officer Director	$0	$0	$0
BILL GATH	Board Member	Director	$0	$0	$0
JIM ZEBROWSKI	Board Member	Director	$0	$0	$0
JOHN ELLSWORTH	Board Member	Director	$0	$0	$0
NADINE NESBIT	Vice Chairperson	Officer Director	$0	$0	$0
ISABELLE HARRISON	Board Member	Director	$0	$0	$0
TERI WYSOR	Board Member	Director	$0	$0	$0
LONNY TOWNLEY	Board Member	Director	$0	$0	$0
PHOEBE RAMSEY	Board Member	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	$168,468	$152,955	$503,790	$15,513
2023	$153,554	$121,593	$516,122	$31,961
2022	$50,184	$135,480	$503,112	$-85,296
2021	$167,164	$65,218	$574,455	$101,946
2020	$405,584	$109,953	$472,509	$295,631