PACT COLLECTIVE

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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

CATHERINE SNIDER

Phone

6085760903

Tax Period

2025-01-01 to 2025-12-31

PACT COLLECTIVE, founded in 2021, is a community nonprofit in the Environment sector that reported $2.6M in total revenue in fiscal year 2025. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $512K, a strong 19% operating margin.

Mission

TO UNITE THE BEAUTY INDUSTRY TO TAKE RESPONSIBILITY FOR OUR PACKAGING WASTE AND WORK COLLABORATIVELY TOWARD CIRCULAR PACKAGING SOLUTIONS.

Program Service Accomplishments

Program 1

Expenses: $1,781,463 Revenue: $2,238,399

PACT HAS WELCOMED 160 MEMBERS COMMITTED TO ELIMINATING BEAUTY PACKAGING WASTE. THIS YEAR, WE COLLECTED 419,000 POUNDS OF HARD-TO-RECYCLE BEAUTY PACKAGING. TO DATE, WE HAVE GATHERED MORE THAN ONE...

PACT HAS WELCOMED 160 MEMBERS COMMITTED TO ELIMINATING BEAUTY PACKAGING WASTE. THIS YEAR, WE COLLECTED 419,000 POUNDS OF HARD-TO-RECYCLE BEAUTY PACKAGING. TO DATE, WE HAVE GATHERED MORE THAN ONE MILLION POUNDS OF MATERIAL ALL OF WHICH WERE PROCESSED/RECYCLING FINDING THE BEST AND HIGHEST POSSIBLE END USES FOR IT. ADDITIONALLY, WE SHARE DATA FROM OUR PROGRAM TO EDUCATE MEMBERS ON MAKING MORE INFORMED PACKAGING DECISIONS FOR THE FUTURE.

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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 $398,170

Program Service Revenue $2,238,399

Investment Income $0

Other Revenue $25

TOTAL REVENUE $2,636,594

Expense Breakdown

Grants Paid $0

Salaries & Benefits $502,703

Fundraising Expenses $148,354

Program Expenses $1,781,463

Other Expenses $1,622,065

TOTAL EXPENSES $2,124,768

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,636,594	$2,794,631	-0.1%
Expenses	$2,124,768	$2,489,245	-0.1%
Net Income	$511,826	$305,386	+0.7%

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

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

$160,869

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE SNIDER	PROGRAM DIRE	40.00	Officer	$150,108	$10,761	$160,869
VICTOR CASALE	CHAIR	2.00	Officer	$0	$0	$0
ALISHA GALLAGHER	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTINA ROSS	DIRECTOR	2.00	Director	$0	$0	$0
DESTA RAINES	DIRECTOR	2.00	Director	$0	$0	$0
JULIE YAN	DIRECTOR	2.00	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	$2,636,594	$2,124,768	$981,846	$511,826
2024	$2,794,631	$2,489,245	$550,441	$305,386
2023	$604,092	$595,841	$160,048	$8,251
2022	$298,252	$387,467	$142,558	$-89,215