BELCHERTOWN EDUCATION FOUNDATION IN

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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

2017

Legal Domicile

Principal Officer

HEATHER ST GERMAINE

Phone

4135374516

Tax Period

2022-01-01 to 2022-12-31

BELCHERTOWN EDUCATION FOUNDATION IN, founded in 2017, is a micro nonprofit in the Education sector that reported $8K in total revenue in fiscal year 2022. Revenue fell 53% from the prior year — a significant decline worth monitoring. Expenses of $13K exceeded revenue, resulting in a 66% operating deficit.

Mission

SUPPORTS PROGRAMS, RESOURCES, AND OPPORTUNITIES FOR STUDENTS ENROLLED IN THE BELCHERTOWN PUBLIC SCHOOLS

Program Service Accomplishments

Program 1

Expenses: $11,042

SUPPORTS PROGRAMS, RESOURCES, AND OPPORTUNITIES FOR STUDENTS ENROLLED IN THE BELCHERTOWN PUBLIC SCHOOLS

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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 (2022)

Revenue Breakdown

Contributions & Grants $2,522

Program Service Revenue $5,460

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,982

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $1,186

Program Expenses $11,042

Other Expenses $13,261

TOTAL EXPENSES $13,261

Year-over-Year Comparison

	2022	2021	Change
Revenue	$7,982	$17,075	-0.5%
Expenses	$13,261	$20,593	-0.4%
Net Income	$-5,279	$-3,518	+0.5%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JONATHAN CASSELLA	DIRECTOR	N/A	Director	$0	$0	$0
JENNIFER FAULKNER	DIRECTOR	N/A	Director	$0	$0	$0
HEATHER ST GERMAINE	PRESIDENT	N/A	Officer Director	$0	$0	$0
JENNIFER JACQUE	DIRECTOR	N/A	Director	$0	$0	$0
JAMES MUGFORD MD	CLERK	N/A	Officer Director	$0	$0	$0
LESLEY MUGFORD MD	TREASURER	N/A	Officer 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
2022	$7,982	$13,261	$30,022	$-5,279
2021	$17,075	$20,593	$35,301	$-3,518
2020	$7,615	$7,898	$38,819	$-283
2019	$44,790	$39,794	$39,102	$4,996
2018	$45,316	$13,162	$34,106	$32,154