Care Central VNA & Hospice Inc
Nonprofit profile at a glance
- EIN
- 042104246
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Gardner, MA, USA
- Phone
- 9786321230
- Rating
- 82
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Home Health Care
Reported finances
- Revenue
- $24,049,986
- Expenses
- $21,261,765
- Assets
- $27,471,802
- Liabilities
- $1,606,448
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- Holly A Chaffee (President & CEO)
Highest reported compensation
- Holly A Chaffee (President & CEO): $432,099 total reported compensation
- Kristin Mattson (Chief Development Officer): $210,148 total reported compensation
- Melissa Cantara (CPO): $197,615 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
We build healthy communities by delivering high quality health and social services in a fiscally responsible manner in the homes and neighborhoods of Massachusetts.
What it reported doing in 2025
Provides home care, hospice, adult day care and preventative health services to residents in 100 communities in Massachusetts.
Operating model
- Revenue model
- Earned-program. 92% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Total assets are small relative to annual expenses; liquid coverage is unknown and reported officer compensation is a large share of total spending, which may reflect staffing concentration.
Rating breakdown
- Financial Efficiency: 80
- Transparency & Controls: 74
- Accountability: 100
- Sustainability: 53
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 88.7%; rating input score 89
- Program expense ratio: 91.4%; rating input score 91
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 11.6%; rating input score 62; 62nd percentile among comparable filings
- Total-asset coverage ratio: 1.29; rating input score 37; 37th percentile among comparable filings
- Liabilities to assets ratio: 0.06; rating input score 74; 74th percentile among comparable filings
- Officer compensation ratio: 7.5%; rating input score 39; 39th percentile among comparable filings
Growth
- Program expense growth: 5% per year; rating input score 100; 39th percentile among comparable filings
- Revenue growth: 6% per year; rating input score 100; 50th percentile among comparable filings
- Asset growth: 10.3% per year; rating input score 100; 68th percentile among comparable filings
Details
- Where the money goes: 88.7% of revenue deployed · 91.4% of spending went to programs
- Governance: 11 of 11 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $19.4M in reported program spending
- Leadership: top reported pay $432K · 24 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 3 contractors listed · $734K reported
- Consistency: 34 of 34 current checks pass
- Schedules: 6 filed schedules · includes major donors and executive pay
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 8 filed money-flow records
- Related organizations: Filed and resolved organization relationships.
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Total-asset coverage ratio scored 37/100.
- Moderate — Sustainability: Officer compensation ratio scored 39/100.