EAST CAMBRIDGE BUSINESS ASSOCIATION (EIN 800417744) - 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

2008

Legal Domicile

Principal Officer

MICHELLE LOWER

Phone

6176868367

Tax Period

2025-01-01 to 2025-12-31

EAST CAMBRIDGE BUSINESS ASSOCIATION, founded in 2008, is a small nonprofit in the Community Improvement sector that reported $441K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year.

Mission

TO PROMOTE AND MAINTAIN SUSTAINABLE COMMERCE IN EAST CAMBRIDGE; TO BE A SINGLE VOICE FOR ITS MEMBERS; TO PROMOTE ACTIVITIES THAT BOND EAST CAMBRIDGE BUSINESSES WITH THEIR NEIGHBORHOOD; TO PRESERVE THE HISTORICAL INTEGRITY AND IMPORTANCE OF EAST CAMBRIDGE; AND TO PROMOTE AN ACTIVE STEWARDSHIP OF OUR NEIGHBORHOOD.

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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 $429,732

Program Service Revenue $0

Investment Income $6,520

Other Revenue $5,227

TOTAL REVENUE $441,479

Expense Breakdown

Grants Paid $0

Salaries & Benefits $192,105

Fundraising Expenses $0

Program Expenses $383,635

Other Expenses $256,634

TOTAL EXPENSES $448,739

Year-over-Year Comparison

	2025	2024	Change
Revenue	$441,479	$465,872	-0.1%
Expenses	$448,739	$452,439	0.0%
Net Income	$-7,260	$13,433	-1.5%

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

$178,726

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICK MAGEE	PRESIDENT	1.00	Officer Director	$0	$0	$0
REBECCA MILLETTE	CLERK	1.00	Officer Director	$0	$0	$0
MICHELLE LOWER	TREASURER	1.00	Officer Director	$0	$0	$0
CARL FANTASIA	DIRECTOR	1.00	Director	$0	$0	$0
PAUL FERREIRA	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL GRILL	DIRECTOR	1.00	Director	$0	$0	$0
JULIA HALLMAN	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN LAMASTER	DIRECTOR	1.00	Director	$0	$0	$0
MARK ROGERS	DIRECTOR	1.00	Director	$0	$0	$0
TINA SYDER	DIRECTOR	1.00	Director	$0	$0	$0
LYNN WAHLQUIST	DIRECTOR	1.00	Director	$0	$0	$0
JASON ALVES	EXECUTIVE DIRECTOR	40.00	Key Emp	$171,245	$7,481	$178,726

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	$441,479	$448,739	$216,989	$-7,260
2024	$465,872	$452,439	$241,480	$13,433
2023	$273,470	$264,811	$220,560	$8,659
2022	$319,273	$225,151	$211,816	$94,122
2021	$237,797	$219,040	$117,005	$18,757
2019	$211,139	$221,932	$105,936	$-10,793

EAST CAMBRIDGE BUSINESS ASSOCIATION