NORWOOD SQUARE INC (EIN 411743091) - 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

1993

Legal Domicile

Principal Officer

JENNIFER ANDERSON

Phone

6512911750

Tax Period

2025-01-01 to 2025-12-31

NORWOOD SQUARE INC, founded in 1993, is a small nonprofit in the Unknown sector that reported $475K in total revenue in fiscal year 2025. Expenses of $597K exceeded revenue, resulting in a 26% operating deficit.

Mission

TO PROVIDE HOUSING AND SERVICES TO ELDERLY AND DISABLED PERSONS

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $465,853

Investment Income $9,560

Other Revenue $0

TOTAL REVENUE $475,413

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $596,855

Other Expenses $596,855

TOTAL EXPENSES $596,855

Year-over-Year Comparison

	2025	2024	Change
Revenue	$475,413	$443,768	+0.1%
Expenses	$596,855	$521,805	+0.1%
Net Income	$-121,442	$-78,037	+0.6%

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

$506,836

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARB WALSH	DIRECTOR	1.00	Director	$0	$0	$0
TRISTAN HELLER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN RUTHERFORD	PRESIDENT	1.00	Officer Director	$0	$0	$0
NANCY CARLSON	SECRETARY	1.00	Officer Director	$0	$0	$0
LAKS ATLA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DIANNE W CARR	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS ADAMS	EXECUTIVE VP OF COMMONBOND HOUSING	1.00	Officer	$0	$26,413	$263,592
JENNIFER ANDERSON	CHIEF FINANCIAL OFFICER OF COMMONBOND	1.00	Officer	$0	$18,164	$243,244

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	$475,413	$596,855	$1,152,427	$-121,442
2024	$443,768	$521,805	$1,154,838	$-78,037
2023	$378,430	$502,733	$1,196,561	$-124,303
2022	$379,004	$507,458	$1,299,069	$-128,454
2021	$376,136	$445,531	$1,340,963	$-69,395
2020	$367,820	$393,841	$1,400,937	$-26,021
2019	$360,304	$434,556	$1,479,323	$-74,252
2018	$311,283	$431,465	$1,536,697	$-120,182

NORWOOD SQUARE INC