JOB OPTIONS 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

1970

Legal Domicile

Principal Officer

MICHELLE MERSON

Phone

7815961241

Tax Period

2022-07-01 to 2023-06-30

JOB OPTIONS INC, founded in 1970, is a small nonprofit that reported $809K in total revenue in fiscal year 2022. Revenue decreased 19% compared to the prior year. Expenses of $1.3M exceeded revenue, resulting in a 59% operating deficit.

Mission

THE ORGANIZATION IS AN INNER CITY DAYCARE, WHICH PRIMARILY SERVES THE MINORITY COMMUNITY TO SERVE WORKING PARENTS, THOSE IN COLLEGE AND TRAINING PROGRAMS, AND THOSE IN NEED OF PROTECTIVE SERVICES.

Program Service Accomplishments

Program 1

Expenses: $842,216 Revenue: $820,036

CHILDCARE SERVICES: THE ORGANIZATION WAS CREATED AS A DIRECT RESPONSE TO AN URGENT COMMUNITY NEED FOR AFFORDABLE, QUALITY CHILDCARE. THE ORGANIZATION IS LICENSED BY THE DEPARTMENT OF EARLY EDUCATION AND CARE FOR 110 CHILDREN BETWEEN THE AGES OF 2 MONTHS AND 6 YEARS. ALTHOUGH PRIVATE TUITION IS AVAILABLE, THE ORGANIZATION WORKS CLOSELY WITH THE COMMONWEALTH OF MASSACHUSETTS TO OFFER SUBSIDIZED CHILDCARE, ALLOWING PARENTS AND GUARDIANS THE OPPORTUNITY TO SEEK EMPLOYMENT, MAINTAIN EMPLOYMENT AND FURTHER THEIR EDUCATION. THE ORGANIZATION PROUDLY ACHIEVED ACCREDITATION THROUGH THE NATIONAL ASSOCIATION FOR THE EDUCATION OF YOUNG CHILDREN (NAEYC) IN JUNE 2014, AND THEY STRIVE TO ENSURE THAT THE CENTER MAINTAINS THE NAEYC STANDARDS OF QUALITY.

Program 2

Expenses: $99,423 Revenue: $100,286

TEEN PARENT SERVICES: THE ORGANIZATION ALSO OFFERS THE ONLY TEEN PARENT PROGRAM IN LYNN. SINCE 1988, THE ORGANIZATION HAS OPERATED A COMPREHENSIVE PROGRAM FOR 12 TEEN PARENTS AND THEIR CHILDREN...

TEEN PARENT SERVICES: THE ORGANIZATION ALSO OFFERS THE ONLY TEEN PARENT PROGRAM IN LYNN. SINCE 1988, THE ORGANIZATION HAS OPERATED A COMPREHENSIVE PROGRAM FOR 12 TEEN PARENTS AND THEIR CHILDREN GEARED TO MEET THEIR SPECIFIC NEEDS. IT IS THE ORGANIZATION'S OBJECTIVE FOR THE TEENS IN THE PROGRAM TO AVOID FUTURE PREGNANCIES, FINISH THEIR EDUCATION IN HIGH SCHOOL AND CONTINUE ONTO COLLEGE, EMPLOYMENT, TRAINING, OR ANOTHER APPROPRIATE SETTING, WHILE RECEIVING CHILD CARE SERVICES AND BUILDING LIFE/PARENTING SKILLS SO THAT THEY BECOME SELF-SUFFICIENT. MANY OF THE PREVIOUS TEEN PARENTS HAVE GONE ON TO EARN AN ASSOCIATE'S, BACHELOR'S, AND MASTER'S DEGREE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $897,210

Program Service Revenue $21,829

Investment Income $-111,279

Other Revenue $1,283

TOTAL REVENUE $809,043

Expense Breakdown

Grants Paid $0

Salaries & Benefits $938,403

Fundraising Expenses $9,908

Program Expenses $941,639

Other Expenses $349,455

TOTAL EXPENSES $1,287,858

Year-over-Year Comparison

	2022	2021	Change
Revenue	$809,043	$994,088	-0.2%
Expenses	$1,287,858	$1,055,351	+0.2%
Net Income	$-478,815	$-61,263	+6.8%

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

N/A

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

$91,135

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE MERSON	EXECUTIVE DI	50.00	Officer	$75,490	$15,645	$91,135
CHRIS CARMODY	PRESIDENT	2.00	Officer Director	$0	$0	$0
NANCY CASSIDY	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
NANCY SCHALLER	TREASURER	2.00	Officer Director	$0	$0	$0
REV DR ANITA FARBER-ROBERTSON	CLERK	2.00	Officer Director	$0	$0	$0
MARGARET BARMACK	DIRECTOR	2.00	Director	$0	$0	$0
PENELOPE CARNEVALE	DIRECTOR	2.00	Director	$0	$0	$0
ARTHUR MCLEOD	DIRECTOR	2.00	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
2023	$809,043	$1,287,858	$196,519	$-478,815
2022	$994,088	$1,055,351	$543,673	$-61,263
2021	$1,201,740	$1,071,735	$598,574	$130,005
2020	$1,388,146	$1,418,549	$535,192	$-30,403
2019	$1,549,803	$1,511,923	$523,009	$37,880
2018	$1,590,589	$1,454,546	$544,820	$136,043