MILL TOWN COMMUNITY TRUST INC C/O PATHSTONE FAMILY OFFICE (EIN 831443540) - 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

2018

Legal Domicile

Principal Officer

ARTHUR DUFFY

Phone

4013835370

Tax Period

2024-01-01 to 2024-12-31

MILL TOWN COMMUNITY TRUST INC C/O PATHSTONE FAMILY OFFICE, founded in 2018, is a micro nonprofit that reported $362K in total revenue in fiscal year 2024.

Mission

MILL TOWN COMMUNITY TRUST WORKS TO PROMOTE SOCIAL WELFARE BY IMPROVING THE ECONOMY AND ENVIRONMENT OF PITTSFIELD, MA AND THE SURROUNDING LOCALITIES IN BERKSHIRE COUNTY THROUGH NEIGHBORHOOD BUILDING AND REVITALIZATION AND PRESERVING LOCAL ENVIRONMENTAL AND RECREATIONAL RESOURCES.

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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 $172,000

Program Service Revenue $0

Investment Income $0

Other Revenue $-533,690

TOTAL REVENUE $-361,690

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $169,910

TOTAL EXPENSES $169,910

Year-over-Year Comparison

	2024	2023	Change
Revenue	$-361,690	$-983,591	-0.6%
Expenses	$169,910	$88,499	+0.9%
Net Income	$-531,600	$-1,072,090	-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

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
ARTHUR DUFFY	PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$0	$0
TIM BURKE	TREASURER/DIRECTOR	1.00	Officer Director	$0	$0	$0
WALTER REED	VICE PRESIDENT/DIRECTOR	1.00	Officer Director	$0	$0	$0
MATTHEW THIBAULT	SECRETARY	1.00	Officer	$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
2024	$-361,690	$169,910	$31,164,515	$-531,600
2023	$-983,591	$88,499	$32,227,253	$-1,072,090
2022	$-5,252,838	$92,867	$35,136,286	$-5,345,705
2021	$-740,225	$25,170	$30,757,598	$-765,395
2020	$-106,962	$37,563	$13,569,901	$-144,525
2019	$-41,745	$118,503	$6,757,870	$-160,248
2018	$275,000	$22,571	$252,429	$252,429

MILL TOWN COMMUNITY TRUST INC C/O PATHSTONE FAMILY OFFICE