WOMEN'S MONEY MATTERS INC (EIN 900688545) - 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

2011

Legal Domicile

Principal Officer

DANIELLE PISKADLO

Phone

6172977376

Tax Period

2023-07-01 to 2024-06-30

WOMEN'S MONEY MATTERS INC, founded in 2011, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $277K, a strong 19% operating margin.

Mission

WOMEN'S MONEY MATTERS, INC. PROVIDES FINANCIAL WELLNESS PROGRAMS FOR WOMEN ON LOW INCOMES IN THE STATE OF MASSACHUSETTS.

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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 $1,367,807

Program Service Revenue $50,600

Investment Income $70,814

Other Revenue $0

TOTAL REVENUE $1,489,221

Expense Breakdown

Grants Paid $0

Salaries & Benefits $833,529

Fundraising Expenses $124,724

Program Expenses $1,012,320

Other Expenses $378,725

TOTAL EXPENSES $1,212,254

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,489,221	$1,099,781	+0.4%
Expenses	$1,212,254	$1,013,908	+0.2%
Net Income	$276,967	$85,873	+2.2%

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
BRANDIE CONFORTI	CHAIR	2.00	Officer Director	$0	$0	$0
KATHERINE MCCABE	DEVELOPMENT COMMITTEE CHAIR	2.00	Director	$0	$0	$0
KELLY YOUNG	DIRECTOR	2.00	Director	$0	$0	$0
MICHELLE BRATHWAITE	DIRECTOR	2.00	Director	$0	$0	$0
NAZNINE TILAK	DIRECTOR	2.00	Director	$0	$0	$0
NINA CHARNLEY	TREASURER	2.00	Officer Director	$0	$0	$0
VALERIE GALVAO	DIRECTOR	2.00	Director	$0	$0	$0
SARAH CONNORS	DIRECTOR	2.00	Director	$0	$0	$0
SHANNON GATH	VICE CHAIR	2.00	Officer Director	$0	$0	$0
DANIELLE PISKADLO	EXECUTIVE DIRECTOR	40.00	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	$1,489,221	$1,212,254	$1,485,270	$276,967
2023	$1,099,781	$1,013,908	$1,193,768	$85,873
2022	$1,082,743	$764,588	$1,138,707	$318,155
2021	$903,739	$541,005	$902,646	$362,734
2020	$571,938	$517,888	$561,839	$54,050
2019	$593,985	$419,101	$430,410	$174,884

WOMEN'S MONEY MATTERS INC