NFI Massachusetts Inc (EIN 237378470) - 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

1974

Legal Domicile

Phone

9785380286

Tax Period

2024-07-01 to 2025-06-30

NFI Massachusetts Inc, founded in 1974, is a mid-sized nonprofit in the Human Services sector that reported $43.9M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $41.1M left a modest 6% surplus.

Mission

NFI MASSACHUSETTS PROVIDES COMMUNITY BASED PROGRAMS FOR YOUTHS, ADULTS AND FAMILIES.

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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 $3,269

Program Service Revenue $43,356,827

Investment Income $417,598

Other Revenue $125,301

TOTAL REVENUE $43,902,995

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,521,690

Fundraising Expenses $0

Program Expenses $36,208,049

Other Expenses $8,567,940

TOTAL EXPENSES $41,089,630

Year-over-Year Comparison

	2024	2023	Change
Revenue	$43,902,995	$38,345,786	+0.1%
Expenses	$41,089,630	$34,459,989	+0.2%
Net Income	$2,813,365	$3,885,797	-0.3%

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

615

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

$413,404

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR BARBARA VINICK	CLERK & DIRECTOR	0.5	Officer Director	$0	$0	$0
ROGER MARCORELLE	CHAIRMAN & DIRECTOR	0.5	Officer Director	$0	$0	$0
BARNET WEINSTEIN	DIRECTOR	0.5	Director	$0	$0	$0
DR HARVEY LOWELL	DIRECTOR	0.5	Director	$0	$0	$0
DR KATHERINE TURNER	DIRECTOR	0.5	Director	$0	$0	$0
HOWARD RICH	DIRECTOR	0.5	Director	$0	$0	$0
LINDA RICHARDS	DIRECTOR (AS OF 3/7/25)	0.2	Director	$0	$0	$0
STACIE BLOXHAM	DIRECTOR	0.5	Director	$0	$0	$0
LYDIA TODD	EXECUTIVE DIRECTOR	40.0	Officer	$0	$23,468	$231,367
PAMELA ROCHA	TREASURER & CFO	2.0	Officer	$0	$25,358	$182,037
ARINZE EJIOFOR	ADVANCED PRACTICE RN	40.0	Highest	$156,591	$10,057	$166,648
ERIC KLINGAMAN	DIRECTOR OF OPERATIONS	40.0	Highest	$161,370	$17,833	$179,203
LORI KEOUGH	PSYCHIATRIST	40.0	Highest	$205,816	$12,239	$218,055
MAIRIN SCHREIBER	DIRECTOR OF QUALITY & DEVELOPMENT	40.0	Highest	$132,037	$15,274	$147,311
RACHEL CUSHION	PSYCHIATRIST	30.0	Highest	$205,682	$9,634	$215,316

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	$43,902,995	$41,089,630	$21,737,944	$2,813,365
2024	$38,345,786	$34,459,989	$18,918,267	$3,885,797
2023	$29,637,438	$29,014,662	$14,381,074	$622,776
2022	$30,466,522	$28,426,848	$13,585,039	$2,039,674
2021	$31,736,089	$30,249,754	$12,715,977	$1,486,335
2020	$32,146,718	$30,373,631	$10,599,684	$1,773,087
2019	$29,850,032	$30,266,185	$9,352,883	$-416,153
2018	$30,601,656	$31,032,804	$9,500,718	$-431,148

NFI Massachusetts Inc