JFM NO 5 CORP (EIN 454479306) - 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

2012

Legal Domicile

Principal Officer

ANDREW COWAN

Phone

2077822726

Tax Period

2024-04-01 to 2025-03-31

JFM NO 5 CORP, founded in 2012, is a micro nonprofit in the Housing & Shelter sector that reported $62K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year. Expenses of $113K exceeded revenue, resulting in a 84% 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 (2024)

Revenue Breakdown

Contributions & Grants $37,769

Program Service Revenue $23,563

Investment Income $222

Other Revenue $0

TOTAL REVENUE $61,554

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,888

Fundraising Expenses $0

Program Expenses $99,525

Other Expenses $106,412

TOTAL EXPENSES $113,300

Year-over-Year Comparison

	2024	2023	Change
Revenue	$61,554	$74,952	-0.2%
Expenses	$113,300	$105,861	+0.1%
Net Income	$-51,746	$-30,909	+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

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

$507,546

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	DIRECTOR	0.00	Director	$0	$0	$0
STEVEN SHAVER	TREASURER	0.00	Officer Director	$0	$0	$0
MICHAEL DROUIN	DIRECTOR	0.00	Director	$0	$0	$0
JOHN D CLIFFORD IV	DIRECTOR	0.00	Director	$0	$0	$0
CYNDY PARADIS	DIRECTOR	0.00	Director	$0	$0	$0
JOE O'CONNOR	PRESIDENT	0.00	Officer Director	$0	$0	$0
JOHN V BONNEAU	DIRECTOR	0.00	Director	$0	$0	$0
JOHN DULAC	DIRECTOR	0.00	Director	$0	$0	$0
ANITA DROUIN	VICE PRESIDENT	0.00	Officer Director	$0	$0	$0
RICHELLE WALLACE	SECRETARY	0.00	Officer Director	$0	$0	$0
NORM TANCREDE	DIRECTOR	0.00	Director	$0	$0	$0
RICH CUTLIFFE	DIRECTOR	0.00	Director	$0	$0	$0
TODD GOODWIN	CEO	1.00	Officer	$0	$14,253	$256,654
ANDREW COWAN	CFO	1.00	Officer	$0	$18,495	$250,892

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	$61,554	$113,300	$738,826	$-51,746
2024	$74,952	$105,861	$764,514	$-30,909
2023	$70,099	$104,495	$785,104	$-34,396
2022	$64,379	$98,575	$826,658	$-34,196
2021	$70,976	$87,446	$846,721	$-16,470
2020	$60,069	$80,514	$870,223	$-20,445
2019	$45,573	$79,493	$894,902	$-33,920
2018	$39,619	$72,959	$930,056	$-33,340

JFM NO 5 CORP