Mystic Valley YMCA
Legal name: The Mystic Valley Young Men's Christian Association
Nonprofit profile at a glance
- EIN
- 042105874
- IRS 990 coverage
- 2009–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Malden, MA, USA
- Phone
- (781) 324-7680
- Rating
- 88
- Verdict
- STRONG
- Rating confidence
- Moderate
- Affiliation
- Christianity
Reported finances
- Revenue
- $11,479,276
- Expenses
- $11,930,165
- Assets
- $13,751,430
- Liabilities
- $7,240,982
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
17 people listed
Executive titles in this filing
- DEBORAH AMARAL (PRESIDENT & CEO)
Highest reported compensation
- DEBORAH AMARAL (PRESIDENT & CEO): $174,431 total reported compensation
- MARC WRIGHT (CFO): $137,591 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Our mission is to strengthen our communities with relevant, continually evolving programs and services that enrich the lives of all people in spirit, mind and body.” ## OUR MISSION To strengthen our communities with relevant, continually evolving programs and services that enrich the lives of all people in spirit, mind and body.
What it reported doing in 2024
Healthy living - the y is a leading voice on health and well-being. We bring families closer together, encourage good health, and foster connections through fitness, sports, and shared interests. Our 10,000 members enjoy fitness and healthy living through programming such asfamily zumba, yoga, karate, basketball, soccer club, and other fun activities. A range of offerings are available to promote health and wellness, increse confidence, build community and fight social isolation. Examples include enhance fitness, blood pressure self-monitoring, livestrong, and pedaling for parkingsons. Our programs are accessible, affordable, and open to all faiths, backgrounds, abilities and income levels. In 2025, we provided $413,472 in financial assistance to people who otherwise would have faced economic barriers to participation.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- 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.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 91
- Transparency & Controls: 84
- Accountability: 100
- Sustainability: 33
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 96.2%; rating input score 96
- Program expense ratio: 92.5%; rating input score 92
- Fundraising efficiency: $25.85 raised per $1 spent on fundraising; rating input score 63; 63rd percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 62nd percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Missing
- Compensation survey or study: Pass
- 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; 66th 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: -3.9%; rating input score 19; 19th percentile among comparable filings
- Total-asset coverage ratio: 1.15; rating input score 41; 41st percentile among comparable filings
- Liabilities to assets ratio: 0.53; rating input score 27; 27th percentile among comparable filings
- Officer compensation ratio: 2.6%; rating input score 71; 71st percentile among comparable filings
Growth
- Program expense growth: 7.6% per year; rating input score 100; 59th percentile among comparable filings
- Revenue growth: 7.1% per year; rating input score 100; 60th percentile among comparable filings
- Asset growth: 0.3% per year; rating input score 100; 11th percentile among comparable filings
Details
- What they do: 7 programs and campaigns described on the official site
- Where the money goes: 96.2% of revenue deployed · 92.5% of spending went to programs
- Governance: 15 of 15 board members independent · 9 of 9 filing controls reported
- Programs: 3 filed program accomplishments · $11M in reported program spending
- Leadership: top reported pay $174K · 17 people listed · 4 of 6 pay-setting controls reported
- Consistency: 34 of 34 current checks pass
- Schedules: 8 filed schedules · includes major donors and executive pay
- Filing history: 15 filing years from 2009 to 2024
- Contacts: How to reach this organization
- Money network: 2 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Sustainability: Operating margin scored 19/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 41/100.
- High — Sustainability: Liabilities to assets ratio scored 27/100.