Rose D Bernier Duval Charitable Tr… - Form 990 Financial Data

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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

Deborah J Orre

Phone

6037311853

Tax Period

2024-01-01 to 2024-12-31

Rose D Bernier Duval Charitable Trust, founded in 2012, is a micro nonprofit that reported $11K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $20K exceeded revenue, resulting in a 82% operating deficit.

Mission

The organization supports the St. Vincent de Paul Society of Annunciation Parish, formerly known as the Holy Rosary Church.

Program Service Accomplishments

Program 1

Expenses: $19,970

St. Vincent de Paul Society of Annunciation Parish, formerly Our Lady of the HolyRosary Parish in Gardner, Massachusetts.

Program 2

The trust was partially funded in April, 2011. The trust made its first distribution to the St. Vincent de Paul Society in March 2012. The trust received the final distribution from the Estate of...

The trust was partially funded in April, 2011. The trust made its first distribution to the St. Vincent de Paul Society in March 2012. The trust received the final distribution from the Estate of Edward Duval in 2014.

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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 $0

Program Service Revenue $0

Investment Income $10,967

Other Revenue $0

TOTAL REVENUE $10,967

Expense Breakdown

Grants Paid $9,264

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $19,970

Other Expenses $10,706

TOTAL EXPENSES $19,970

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,967	$9,507	+0.2%
Expenses	$19,970	$10,308	+0.9%
Net Income	$-9,003	$-801	+10.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Deborah J Orre	Trustee	1.00	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
2025	No data	No data	No data	No data
2024	$10,967	$19,970	$353,475	$-9,003
2023	$9,507	$10,308	$362,478	$-801
2022	$8,216	$10,456	$363,279	$-2,240
2020	$7,098	$11,060	$363,318	$-3,962
2019	$8,972	$9,214	$367,280	$-242
2018	$8,046	$7,468	$367,522	$578

Rose D Bernier Duval Charitable Trust