Worcester County G O L D INC

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Provides emergency financial assistance and items to meet basic needs for those experiencing an unexpected crisis while already living in poverty to: prevent evictions, prevent disconnection of utilities or reconnect utility services, provide food and clothing, meet urgent medical needs, provide assistance to secure or maintain employment, provide crucial transportation, assist children transitioning from homes into foster care, and to provide items to meet basic needs for infants and children, families in crisis, those who are homeless, and vulnerable adults.

501(c)(3) charity; gifts are tax-deductible.
91¢ of each $1 spent went to programs.
Run by 178 volunteers and 3 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 5
filings with a surplus
Average surplus $11K a year · 3% of revenue · last 5 filings
Fine: a surplus in 4 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
91%
of spending
Looks good: 91% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
4 mo
of spending, in cash
Plus $302K in investments, Pt X · Ln 11–13
Looks good: 4.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $6K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$0
0% of total assets
Looks good: liabilities are 0% of assets; 50% or less.
Pt X · Ln 26
Independent board members
12
of 12 voting members
Looks good: 12 of 12 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$349K
-25% vs prior year
Spent
$401K
To programs
91%
Net assets
$450K
By yearFY2020–FY2024
Revenue
$349K
FY2024▼ -25%
Tap a bar for its year
Revenue by fiscal year
FY2020$307K
FY2021$294K
FY2022$354K
FY2023$465K
FY2024$349K
Expenses
$401K
FY2024▼ -10%
Tap a bar for its year
Expenses by fiscal year
FY2020$267K
FY2021$259K
FY2022$344K
FY2023$444K
FY2024$401K
Net assets
$450K
FY2024▼ -8%
Tap a bar for its year
Net assets by fiscal year
FY2020$401K
FY2021$474K
FY2022$438K
FY2023$488K
FY2024$450K

From the FY2024 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jul 1997.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

91 cents of each dollar spent went to programs.

Program services 91% · $364K Management & general 5% · $21K Fundraising 4% · $15K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

Something off? Claim to add context

Who runs it and what they're paid

12 people listed on the 990.

Part VII, Section A · reportable compensation
B.o.d. Membe
$0Pt VII · Sec A
$0Pt VII · Sec A
Secretary
$0Pt VII · Sec A
B.o.d. Membe
$0Pt VII · Sec A
B.o.d. Membe
$0Pt VII · Sec A
Vice Preside
$0Pt VII · Sec A
B.o.d. Membe
$0Pt VII · Sec A
B.o.d. Membe
$0Pt VII · Sec A

Nicholas Cranford’s $19K as Executive Di is at the 10th percentile of top reported officer pay among 2168 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2021FY2020
Nicholas Cranford$18,848$26,147
Sandra Sipes—$18,199

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Worcester County G O L D INC executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers emergency aid for housing, utilities, food, medical, and employment to prevent crises.

Questions for Worcester County G O L D INC

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Your first name shows with your question. Worcester County G O L D INC answers here, for everyone.

3 programs · $364K · in their own filed words · FY2024
01

Enrichment for Economically Disadvantaged Children

School supplies, holiday gifts and scholarships for summer camps, .

$176Kprogram expense
02

Emergency Basic Needs for Families

Financial assistance or basic needs items for infants, children, and vulnerable adults, including food, medicine, transportation, employment, clothing, hygiene and household products.

$109Kprogram expense
03

Housing and Utility Assistance

Payments made to property managers, landlords, and utility providers to prevent eviction or disconnection of utility services.

$80Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 1 funder$6K
Grants paid · 17 grants · $657K · 2020–2024
Unitemized GrantFY2024$54,800
Unitemized GrantFY2024$45,379
Unitemized GrantFY2024$43,122
Unitemized GrantFY2023$56,175
Unitemized GrantFY2023$55,090
Unitemized GrantFY2023$47,917
Unitemized GrantFY2022$59,097
Unitemized GrantFY2022$50,072
Unitemized GrantFY2022$26,645
Unitemized GrantFY2021$58,308
Unitemized GrantFY2021$53,476
Unitemized GrantFY2021$5,500
Unitemized GrantFY2021$4,524
Unitemized GrantFY2020$57,000
Unitemized GrantFY2020$26,954
Unitemized GrantFY2020$7,325
Unitemized GrantFY2020$5,697

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$349K
Ln 12
Gifts and grantsLn 1h$292K
Other incomeLn 4–11$40K
Investment incomeLn 3$16K
Money outPt IX
$401K
Ln 25
Programscol B$364K
Managementcol C$21K
Fundraisingcol D$15K
Owns and owesPt X
$450K
net assets · Ln 32
Cash and savingsLn 1–2$148K
Total assetsLn 16$450K
LiabilitiesLn 26$0
PeoplePt VI, VII
12
listed · VII A
PaidVII A0
Voting boardVI 1a12
IndependentVI 1b12
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$292K
Government grantsLn 1e$15K
Noncash giftsLn 1g$151K
Fundraising eventsLn 1c$7K
Investment incomeLn 3$16K
Other incomeLn 4–11$40K
Gains on assetsLn 7$836
Total revenueLn 12$349K
Assets in detailPt X, end of year
CashLn 1$69K
SavingsLn 2$78K
Cash and savings togetherLn 1–2$148K
InvestmentsLn 11–13$302K
Total assetsLn 16$450K
LiabilitiesLn 26$0
Net assetsLn 32$450K
OperationsPt I, VI
EmployeesI 53
VolunteersI 6178
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3More from this return
Abroad and in kindSch F, M
Noncash gifts receivedSch M Pt I$151K
Investment feesPt IX, Sch D
Investment fees, as reportedPt IX 11f$4K
Share of the $33K endowmentSch D 1g10.6%
EndowmentSch D · Pt V
LineFY24FY23FY22FY21FY20
End of yearLn 1g$33K$31K$27K$31K$26K
SpentLn 1d–1f$390$343$284$291$225
4Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$227K$148K
InvestmentsLn 11–13$280K$302K
Total assetsLn 16$507K$450K
LiabilitiesLn 26$19K$0
Net assetsLn 32$488K$450K
5Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$288K$288K
Other salaries and wagesLn 7$74K$59K$9K$6K
Payroll taxesLn 10$6K$5K$705$470
Accounting feesLn 11c$4K$4K
Investment management feesLn 11f$4K$4K
Advertising and promotionLn 12$6K$6K
Office expensesLn 13$3K$2K$305$340
Information technologyLn 14$2K$2K$283$188
OccupancyLn 16$11K$9K$1K$859
InsuranceLn 23$3K$2K$790
Other expenses (24a–d)Ln 24$759$271$488
Total functional expensesLn 25$401K$364K$21K$15K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest ViewingFiled with the IRS Jul 7, 2025 $349K$401K−$52K$450K 990 PDF
FY2023Filed with the IRS Sep 23, 2024 $465K$444K$22K$488K 990 PDF
FY2022Filed with the IRS Aug 9, 2023 $354K$344K$9K$438K 990 PDF
FY2021Filed with the IRS Jun 1, 2022 $294K$259K$34K$474K 990 PDF
FY2020Filed with the IRS Jun 9, 2021 $307K$267K$40K$401K 990 PDF

Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support M · Noncash O · Explanations
See the full FY2024 990 (6 parts)
Part I · Summary $348,706 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $425,853$292,469
I-9 Program service revenue$0
I-10 Investment incomePrior year $9,636$15,803
I-11 Other revenuePrior year $30,006$40,434
I-12 Total revenuePrior year $465,495$348,706
I-13 Grants and similar amounts paidPrior year $332,244$287,969
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $83,680$79,994
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $27,879$32,722
I-18 Total expensesPrior year $443,803$400,685
I-19 Revenue less expensesPrior year $21,692−$51,979
Part VI · Governance 12 of 12 board members independent, 1 to look at
VI-1a Voting members of the governing body12
VI-1b Independent voting members12
VI-13 Written whistleblower policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $348,706 across 10 lines filed
VIII-1c Fundraising events$6,704
VIII-1e Government grants$15,000
VIII-1f All other contributions, gifts and grants$270,765
VIII-1g Noncash contributions (included above)$151,372
VIII-1h Total contributions, gifts and grants$292,469
VIII-3 Investment incomeExcluded from tax $14,967$14,967
VIII-7 Net gain or loss on sales of assetsRelated to mission $836$836
VIII-8 Net income from fundraising eventsExcluded from tax $30,159$39,434
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $1,000$1,000
VIII-12 Total revenueRelated to mission $836 · Excluded from tax $46,126$348,706
Part IX · Statement of functional expenses $400,685 across 11 lines filed
IX-2 Grants to domestic individualsPrograms $287,969$287,969
IX-7 Other salaries and wagesPrograms $59,296 · Management $8,895 · Fundraising $5,931$74,122
IX-10 Payroll taxesPrograms $4,697 · Management $705 · Fundraising $470$5,872
IX-11c Accounting feesManagement $3,673$3,673
IX-11f Investment management feesManagement $3,542$3,542
IX-12 Advertising and promotionFundraising $5,813$5,813
IX-13 Office expensesPrograms $2,035 · Management $305 · Fundraising $340$2,680
IX-14 Information technologyPrograms $1,884 · Management $283 · Fundraising $188$2,355
IX-16 OccupancyPrograms $8,593 · Management $1,289 · Fundraising $859$10,741
IX-23 InsuranceManagement $2,369 · Fundraising $790$3,159
IX-24 Other expenses (24a–d)Management $271 · Fundraising $488$759
IX-25 Total functional expensesPrograms $364,474 · Management $21,332 · Fundraising $14,879$400,685
Part X · Balance sheet $449,992 assets, 9 lines filed
X-1 Cash, non-interest-bearingStart of year $149,613$69,244
X-2 Savings and temporary cash investmentsStart of year $77,467$78,351
X-11 Publicly traded securitiesStart of year $279,550$302,397
X-16 Total assetsStart of year $506,630$449,992
X-26 Total liabilitiesStart of year $18,704$0
X-27 Net assets without donor restrictionsStart of year $457,144$416,696
X-28 Net assets with donor restrictionsStart of year $30,782$33,296
X-32 Total net assets or fund balancesStart of year $487,926$449,992
X-33 Total liabilities and net assetsStart of year $506,630$449,992
Part XI · Reconciliation of net assets $449,992 net assets at year end
XI-1 Total revenue$348,706
XI-2 Total expenses$400,685
XI-3 Revenue less expenses−$51,979
XI-4 Net assets at start of year$487,926
XI-5 Net unrealized gains (losses) on investments$14,045
XI-10 Net assets at end of year$449,992

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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