CAMBRIDGE COMMUNITY CENTER DBA CAMBRIDGE CHILD DEVELOPMENT CENTER (EIN 942587545) - 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

1980

Legal Domicile

Principal Officer

KANWAL LACHHAR

Phone

9257981078

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE COMMUNITY CENTER DBA CAMBRIDGE CHILD DEVELOPMENT CENTER, founded in 1980, is a community nonprofit in the Human Services sector that reported $3.1M in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year.

Mission

TO SERVE LOW INCOME FAMILIES WITH CHILDREN: SUPPORTING SELF SUFFICIENCY, FOSTERING HEALTH AND ACTIVE LIFESTYLES, AND INSPIRING JOY IN LEARNING.

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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 $46,125

Program Service Revenue $3,022,113

Investment Income $0

Other Revenue $47,025

TOTAL REVENUE $3,115,263

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,667,558

Fundraising Expenses $0

Program Expenses $2,807,891

Other Expenses $560,786

TOTAL EXPENSES $3,228,344

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,115,263	$3,750,086	-0.2%
Expenses	$3,228,344	$3,640,671	-0.1%
Net Income	$-113,081	$109,415	-2.0%

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

Total Directors

Key Employees

$525,346

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL BEVER	PRESIDENT	0.50	Officer Director	$0	$0	$0
BETSY RAFAL	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
MARSHA MILLAR	SECRETARY	0.50	Officer Director	$0	$0	$0
GARY HODGE	MEMBER	0.50	Director	$0	$0	$0
ANNIE GAFFNEY	MEMBER	0.50	Director	$0	$0	$0
KANWAL LACHHAR	EXECUTIVE DIRECTOR	40.00	Key Emp	$485,459	$39,887	$525,346
TAJBIR SINGH	FISCAL DIRECTOR	40.00	Highest	$227,827	$14,268	$242,095
SORNAVALLI ANANDA	TEACHER	40.00	Highest	$163,896	$11,700	$175,596
ISRAA CHALABI	TEACHER	40.00	Highest	$161,119	$10,593	$171,712
MARISOL MORENO	TEACHER	40.00	Highest	$152,710	$12,808	$165,518
MARIA T CORDERO	SUPERVISOR	40.00	Highest	$152,765	$16,887	$169,652

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	$3,115,263	$3,228,344	$2,163,637	$-113,081
2024	$3,750,086	$3,640,671	$2,273,394	$109,415
2023	$3,181,525	$3,110,412	$1,690,484	$71,113
2022	$2,114,166	$2,090,516	$1,636,032	$23,650
2021	$2,174,655	$2,098,630	$1,732,892	$76,025
2020	$1,547,002	$1,516,886	$1,665,086	$30,116
2019	$1,940,173	$1,933,094	$1,676,490	$7,079

CAMBRIDGE COMMUNITY CENTER DBA CAMBRIDGE CHILD DEVELOPMENT CENTER