JFM No 4 Corp (EIN 274093293) - 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

2010

Legal Domicile

Principal Officer

Andrew Cowan

Phone

2077822726

Tax Period

2021-04-01 to 2022-03-31

JFM No 4 Corp, founded in 2010, is a micro nonprofit in the Human Services sector that reported $49K in total revenue in fiscal year 2021. Revenue decreased 15% compared to the prior year. Expenses of $69K exceeded revenue, resulting in a 42% operating deficit.

Mission

Provide low income housing to disabled individuals.

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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 (2021)

Revenue Breakdown

Contributions & Grants $41,474

Program Service Revenue $7,220

Investment Income $53

Other Revenue $0

TOTAL REVENUE $48,747

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,826

Fundraising Expenses $0

Program Expenses $61,265

Other Expenses $55,196

TOTAL EXPENSES $69,022

Year-over-Year Comparison

	2021	2020	Change
Revenue	$48,747	$57,262	-0.1%
Expenses	$69,022	$80,230	-0.1%
Net Income	$-20,275	$-22,968	-0.1%

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

N/A

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

$361,925

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN D CLIFFORD V	DIRECTOR	0.00	Director	$0	$0	$0
DEANA KANE	DIRECTOR	0.00	Director	$0	$0	$0
CHRIS CROWLEY	PRESIDENT	0.00	Officer Director	$0	$0	$0
STEVEN SHAVER	TREASURER	0.00	Officer Director	$0	$0	$0
MICHAEL DROUIN	DIRECTOR	0.00	Director	$0	$0	$0
JOE O'CONNOR	DIRECTOR	0.00	Director	$0	$0	$0
DEBBIE MAILHOT	DIRECTOR	0.00	Director	$0	$0	$0
JOHN V BONNEAU	DIRECTOR	0.00	Director	$0	$0	$0
BARBARA MORRIS	DIRECTOR	0.00	Director	$0	$0	$0
M SUZANNE TYMOCZKO	DIRECTOR	0.00	Director	$0	$0	$0
JOHN D CLIFFORD IV	DIRECTOR	0.00	Director	$0	$0	$0
ELIZABETH DULAC	DIRECTOR	0.00	Director	$0	$0	$0
NORM TANCREDE	DIRECTOR	0.00	Director	$0	$0	$0
CYNDY PARADIS	SECRETARY	0.00	Officer Director	$0	$0	$0
ANITA DROUIN	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
RICHELLE WALLACE	DIRECTOR	0.00	Director	$0	$0	$0
RICH CUTLIFFE	DIRECTOR	0.00	Director	$0	$0	$0
ANDREW COWAN	CFO	1.00	Officer	$0	$10,362	$181,956
TODD GOODWIN	CEO	1.00	Officer	$0	$10,090	$179,969

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
2022	$48,747	$69,022	$497,929	$-20,275
2021	$57,262	$80,230	$512,124	$-22,968
2020	$49,607	$54,248	$514,486	$-4,641
2019	$42,117	$59,784	$519,499	$-17,667
2018	$40,857	$48,228	$536,730	$-7,371

JFM No 4 Corp