MASSACHUSETTS NATIONAL RURAL LETTER CARRIERS MA (EIN 237233871) - 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

1970

Legal Domicile

Principal Officer

ROBERT RICHARDSON

Phone

6172471800

Tax Period

2024-07-01 to 2025-06-30

MASSACHUSETTS NATIONAL RURAL LETTER CARRIERS MA, founded in 1970, is a small nonprofit that reported $138K in total revenue in fiscal year 2024. Expenses of $165K exceeded revenue, resulting in a 19% operating deficit.

Mission

THE OBJECT OF THE ASSOCIATION SHALL BE TO IMPROVE CONDITIONS OF LABOR WITH THE UNITED STATES POSTAL SERVICE, ADVANCE THE METHODS USED BY RURAL LETTER CARRIERS AND PROMOTE FRATERNAL SPIRIT AMONGST ITS MEMBERS.

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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 $130,335

Program Service Revenue $0

Investment Income $5,947

Other Revenue $1,650

TOTAL REVENUE $137,932

Expense Breakdown

Grants Paid $0

Salaries & Benefits $44,894

Fundraising Expenses $0

Other Expenses $119,746

TOTAL EXPENSES $164,640

Year-over-Year Comparison

	2024	2023	Change
Revenue	$137,932	$132,601	+0.0%
Expenses	$164,640	$134,222	+0.2%
Net Income	$-26,708	$-1,621	+15.5%

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

1222

Independent Members

1222

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

$35,065

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE LACKEY	DISTRICT PRESIDENT	5.00	Officer	$1,987	$0	$1,987
LORRAINE PACHECO	VICE SECRETARY/TREASURER	5.00	Officer	$13,505	$0	$13,505
DIANNE DALEY	DISTRICT PRESIDENT	5.00	Officer	$1,987	$0	$1,987
ROBERT RICHARDSON	PRESIDENT	5.00	Officer	$7,414	$0	$7,414
JASON DOLE	VICE PRESIDENT	5.00	Officer	$5,140	$0	$5,140
CLIFFORD MORRIS	DISTRICT PRESIDENT	5.00	Officer	$1,987	$0	$1,987
WYATT ALOISO	EDITOR	5.00	Officer	$682	$0	$682
WILLIAM PIWOWARSKI	PRESIDENT	2.00	Officer	$363	$0	$363
SUSAN CARVALHO	EDITOR	2.00	Officer	$500	$0	$500
STEVE MCCARTHY	TREASURER	5.00	Officer	$1,500	$0	$1,500

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	$137,932	$164,640	$303,828	$-26,708
2024	$132,601	$134,222	$330,727	$-1,621
2023	$128,729	$127,720	$332,684	$1,009
2022	$131,074	$80,686	$330,987	$50,388
2021	$128,465	$55,706	$277,652	$72,759
2020	$135,070	$107,017	$205,376	$28,053
2019	$133,263	$115,887	$178,272	$17,376

MASSACHUSETTS NATIONAL RURAL LETTER CARRIERS MA