COMMON CAPITAL 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

1990

Legal Domicile

Principal Officer

RAYMOND LANZA-WEIL

Phone

4132331680

Tax Period

2024-07-01 to 2025-06-30

COMMON CAPITAL INC, founded in 1990, is a community nonprofit in the Community Improvement sector that reported $1.8M in total revenue in fiscal year 2024. Revenue surged 59% from the prior year, signaling strong growth momentum. Net assets of $6.8M represent 46 months of operating reserves.

Mission

COMMON CAPITAL, INC. IS A NONPROFIT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) CERTIFIED BY THE U.S. TREASURY DEPARTMENT WORKING TO GROW AND STRENGTHEN THE REGIONAL ECONOMY BY STRENGTHENING LOCAL BUSINESSES AND COMMUNITY ORGANIZATIONS IN WESTERN AND CENTRAL MASSACHUSETTS. COMMON CAPITAL, INC. PROVIDES BUSINESS LOANS AND TECHNICAL ASSISTANCE TO HELP BUSINESS OWNERS AND ORGANIZATIONS ESTABLISH AND GROW IN ORDER TO IMPROVE INCOME LEVELS, EXPAND JOB OPPORTUNITIES, AND STRENGTHEN THE LOCAL COMMUNITIES. COMMON CAPUTAL, INC. ALSO PROVIDES DIRECT ACCESS TO ALTERNATIVE FINANCING SOURCES AND PREDOMINATELY SERVES ECONOMICALLY-DISTRESSED, LOW-WEALTH COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $1,544,465 Revenue: $926,901

PROVIDES BUSINESS LOANS AND TECHNICAL ASSISTANCE TO HELP BUSINESS OWNERS AND ORGANIZATIONS ESTABLISH AND GROW IN ORDER TO IMPROVE INCOME LEVELS, EXPAND JOB OPPORTUNITIES AND STRENGTHEN THE LOCAL...

PROVIDES BUSINESS LOANS AND TECHNICAL ASSISTANCE TO HELP BUSINESS OWNERS AND ORGANIZATIONS ESTABLISH AND GROW IN ORDER TO IMPROVE INCOME LEVELS, EXPAND JOB OPPORTUNITIES AND STRENGTHEN THE LOCAL COMMUNITIES. ALSO PROVIDES DIRECT ACCESS TO ALTERNATIVE FINANCING SOURCES.

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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 $838,111

Program Service Revenue $926,901

Investment Income $3,936

Other Revenue $0

TOTAL REVENUE $1,768,948

Expense Breakdown

Grants Paid $0

Salaries & Benefits $897,033

Fundraising Expenses $0

Program Expenses $1,544,465

Other Expenses $900,933

TOTAL EXPENSES $1,797,966

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,768,948	$1,109,925	+0.6%
Expenses	$1,797,966	$1,565,634	+0.1%
Net Income	$-29,018	$-455,709	-0.9%

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

$603,713

Total Directors

$436,086

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES HICKSON	CHAIR	1.00	Officer Director	$0	$0	$0
LINDA DUNLAVY	CLERK	1.00	Officer Director	$0	$0	$0
PASCALE DESIR	ASSISTANT CLERK	1.00	Officer Director	$0	$10,757	$174,335
LEONARD UNDERWOOD	DIRECTOR	1.00	Director	$0	$0	$0
JODI RATHBUN-BRIGGS	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
DIANE SMITH	DIRECTOR	1.00	Director	$0	$0	$0
JAY LEONARD	TREASURER	1.00	Officer Director	$0	$0	$0
KEITH FAIREY	VICE CHAIR	1.00	Officer Director	$0	$27,576	$261,751
JONATHAN DAEN	DIRECTOR	1.00	Director	$0	$0	$0
RAYMOND LANZA-WEIL	CEO	37.50	Officer	$150,051	$17,576	$167,627

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	$1,768,948	$1,797,966	$11,930,932	$-29,018
2024	No data	No data	No data	No data
2023	$1,986,861	$1,483,397	$10,983,074	$503,464
2022	$3,175,807	$1,102,792	$10,407,941	$2,073,015
2021	$1,556,130	$1,130,686	$7,690,982	$425,444
2020	$925,720	$939,458	$7,154,318	$-13,738
2019	$1,211,493	$1,139,665	$6,675,702	$71,828
2018	$747,091	$767,593	$6,362,011	$-20,502