YMCA of Metro North

Legal name: Young Men's Christian Association of Metro North Inc

Nonprofit profile at a glance

EIN
042105883
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025, Form 990-N 2021
Location
Peabody, MA, USA
Phone
9787753701
Rating
82
Verdict
STRONG
Rating confidence
Moderate
Sector
Young Men's or Women's Associations
Affiliation
Christianity

Official website

Reported finances

Revenue
$39,361,091
Expenses
$32,225,458
Assets
$89,415,443
Liabilities
$28,308,084

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

24 people listed

Executive titles in this filing

  • KATHLEEN WALSH (PRESIDENT/CEO)
  • KATELYN L PAPADOPOULOS (SENIOR BRANCH EXECUTIVE DIRECTOR)
  • CARA GREEN (BRANCH EXECUTIVE DIRECTOR)
  • AMY LOONEY (BRANCH EXECUTIVE DIRECTOR)

Highest reported compensation

  • KATHLEEN WALSH (PRESIDENT/CEO): $404,454 total reported compensation
  • AMY GAMACHE TURNER (CHIEF STRATEGY AND PEOPLE OFFICER): $253,156 total reported compensation
  • LISA FERRARO (VP FINANCE & CFO): $240,348 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The YMCA of Metro North builds strong kids, strong families and strong communities by enriching the lives of all people in spirit, mind and body. The YMCA serves more than 10,000 neighborhoods across the country as the nation’s leading nonprofit committed to helping people and communities grow stronger through youth development, healthy living and social responsibility. Together our contributions are both far-reaching and intimate—from influencing our nation’s culture during times of profound social change to the individual support we provide our members in our local branches. By nurturing the potential of every child and teen, improving the nation’s health and well-being, and supporting and serving our neighbors, the Y ensures that everyone has the opportunity to become healthier, more confident, connected and secure. For more inform.

What it reported doing in 2025

Youth development: the young men's christian association of metro north, inc. Is committed to nurturing the potential of every child and teen. Through child care, education and leadership programs, camps and swim, sports and play, we believe teaching skills learned early on are a vital building block for our children's success. We believe that all kids deserve the opportunity to discover who they are and what they can achieve. That's why we help young people cultivate the values, skills, and relationships that lead to positive behaviors, better health, and educational achievement. Our ymca programs, such as camp leadership programs, offer a range of experiences that enrich cognitive, social, physical, and emotional growth. Expenses include subsidies and direct financial assistance that make participation possible for all of the young people we engage.

Operating model

Revenue model
Earned-program. 79% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 94% 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. Fundraising costs are high for each dollar raised and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 75
  • Transparency & Controls: 83
  • Accountability: 95
  • Sustainability: 64
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 71.3%; rating input score 71
  • Program expense ratio: 88.5%; rating input score 88
  • Fundraising efficiency: $20.29 raised per $1 spent on fundraising; rating input score 55; 55th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Missing
    • 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: 100%; rating input score 100; 76th percentile among comparable filings
  • 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: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Fail
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 18.1%; rating input score 73; 73rd percentile among comparable filings
  • Total-asset coverage ratio: 2.77; rating input score 63; 63rd percentile among comparable filings
  • Liabilities to assets ratio: 0.32; rating input score 39; 39th percentile among comparable filings
  • Officer compensation ratio: 5.4%; rating input score 55; 55th percentile among comparable filings

Growth

  • Program expense growth: 5.9% per year; rating input score 100; 45th percentile among comparable filings
  • Revenue growth: 8% per year; rating input score 100; 63rd percentile among comparable filings
  • Asset growth: 11.5% per year; rating input score 100; 73rd percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: 71.3% of revenue deployed · 88.5% of spending went to programs
  • Governance: 16 of 16 board members independent · 8 of 9 filing controls reported
  • Programs: 3 filed program accomplishments · $28.5M in reported program spending
  • Leadership: top reported pay $404K · 24 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $4.3M reported
  • Consistency: 39 of 39 current checks pass
  • Schedules: 8 filed schedules · includes major donors, grants, 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Financial Efficiency: Fundraising efficiency scored 55/100.
  • Review — Accountability: Governance controls: Other executive compensation review process not reported.
  • Moderate — Sustainability: Liabilities to assets ratio scored 39/100.
  • Review — Sustainability: Officer compensation ratio scored 55/100.