NEEDHAM EXCHANGE FOUNDATION INC (EIN 862768221) - 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

2021

Legal Domicile

Principal Officer

JOHN TERRY

Phone

6175233330

Tax Period

2023-07-01 to 2024-06-30

NEEDHAM EXCHANGE FOUNDATION INC, founded in 2021, is a micro nonprofit in the Human Services sector that reported $12K in total revenue in fiscal year 2023. Expenses of $14K exceeded revenue, resulting in a 22% operating deficit.

Mission

THE FOUNDATION IS ORGANIZED TO FOSTER AND IMPROVE THE LIVES OF YOUTH BY SPONSORING EDUCATIONAL PROGRAMMING, SCHOLARSHIP PROGRAMS, SPECIFICALLY AIMED AT PREVENTING CHILD ABUSE AND OTHER RELATED ACTIVITIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $7,038

Program Service Revenue $0

Investment Income $4,500

Other Revenue $0

TOTAL REVENUE $11,538

Expense Breakdown

Grants Paid $13,090

Salaries & Benefits $0

Fundraising Expenses $313

Program Expenses $13,290

Other Expenses $945

TOTAL EXPENSES $14,035

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,538	$-329	-36.1%
Expenses	$14,035	$3,914	+2.6%
Net Income	$-2,497	$-4,243	-0.4%

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
JAMES RUELBACH	PRESIDENT AND DIRECTOR	1.00	Officer	$0	$0	$0
JOHN TERRY	TREASURER AND DIRECTOR	1.00	Officer	$0	$0	$0
KENNETH RAFFOL	CLERK AND DIRECTOR	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
2025	No data	No data	No data	No data
2024	$11,538	$14,035	$110,085	$-2,497
2023	$-329	$3,914	$112,582	$-4,243
2022	$15,228	$8,384	$102,080	$6,844
2021	$125,000	$2,019	$122,982	$122,981

NEEDHAM EXCHANGE FOUNDATION INC