CAMBRIDGE AREA YOUNG MEN'S CHRISTIAN ASSOCIATION (EIN 314390528) - 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

1950

Legal Domicile

Principal Officer

CARMELLA DIXON

Phone

7404324600

Tax Period

2023-01-01 to 2023-12-31

CAMBRIDGE AREA YOUNG MEN'S CHRISTIAN ASSOCIATION, founded in 1950, is a small nonprofit that reported $670K in total revenue in fiscal year 2023. Revenue surged 67% from the prior year, signaling strong growth momentum. Expenses of $738K exceeded revenue, resulting in a 10% operating deficit.

Mission

TO BUILD STRONG KIDS, STRONG FAMILIES, AND STRONG COMMUNITIES BY PROVIDING EDUCATIONAL, SOCIAL, AND PHYSICAL EDUCATION PROGRAMS FOCUSING ON LIFE SKILLS, CITIZENSHIP, CHARACTER DEVELOPMENT AND HEALTH.

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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 (2023)

Revenue Breakdown

Contributions & Grants $106,307

Program Service Revenue $488,914

Investment Income $74,475

Other Revenue $0

TOTAL REVENUE $669,696

Expense Breakdown

Grants Paid $0

Salaries & Benefits $310,206

Fundraising Expenses $0

Program Expenses $737,786

Other Expenses $427,580

TOTAL EXPENSES $737,786

Year-over-Year Comparison

	2023	2022	Change
Revenue	$669,696	$401,368	+0.7%
Expenses	$737,786	$639,587	+0.2%
Net Income	$-68,090	$-238,219	-0.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARMELLA DIXON	EXECUTIVE DI	N/A	Director	$0	$0	$0
SEE ATTACHED HOURS VARY	BOARD MEMBER	N/A	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
2024	No data	No data	No data	No data
2023	$669,696	$737,786	$4,566,965	$-68,090
2022	$401,368	$639,587	$4,583,694	$-238,219
2021	$500,255	$485,840	$4,783,953	$14,415
2020	$847,816	$613,815	$3,587,210	$234,001
2019	$1,511,811	$614,825	$3,433,953	$896,986
2018	$960,010	$617,573	$2,750,887	$342,437

CAMBRIDGE AREA YOUNG MEN'S CHRISTIAN ASSOCIATION