Form 990 for tax year 2024

Filed by UNITED WAY OF MASSACHUSETTS BAY INC.

Totals

Total revenue: $41,381,335
Total expenses: $46,365,031
Contributions and grants received: $37,174,207
Grants paid: $34,796,043
Program service revenue: $48,531
Investment income: $2,090,190
Other revenue: $2,068,407
Total assets, end of year: $60,924,198
Total liabilities, end of year: $10,925,795
Net assets or fund balances, end of year: $49,998,403
Program services expenses (Part IX): $40,428,760
Management and general expenses: $1,134,664
Fundraising expenses: $4,801,607
Program service expenses (Part III): $40,428,760

Program services were 87.2% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

1a · Federated campaigns

$26,265
1c · Fundraising events

$669,354
1d · Related organizations

$0
1e · Government grants (contributions)

$16,894,405
1f · All other contributions, gifts and grants

$19,584,183
1g · Noncash contributions included above

$519,030
2a · Program service revenue: Service Fee Revenue

total $48,531 · related or exempt $48,531
2f · All other program service revenue

total $0 · related or exempt $0 · unrelated business $0 · excluded $0
3 · Investment income

total $885,410 · excluded $885,410
4 · Income from investment of tax-exempt bond proceeds

total $0 · related or exempt $0
5 · Royalties

total $0 · related or exempt $0
6c · Rental income or loss

real property $0 · personal property $0
7a · Gross sales of assets other than inventory

securities $22,963,752
7b · Less cost or other basis and sales expenses

securities $21,758,973
7c · Gain or loss

securities $1,204,779 · other assets $0
7d · Net gain or loss

total $1,204,780 · excluded $1,204,780
8a · Fundraising events: gross income

$858,875
8a · Fundraising events: contributions included on line 1c

$669,355
8b · Fundraising events: direct expenses

$858,875
9a · Gaming: gross income

$0
9b · Gaming: direct expenses

$0
9c · Net income from gaming

total $0 · related or exempt $0
10a · Gross sales of inventory

$0
10b · Cost of goods sold

$0
11a · Other revenue: INCOME FROM OUTSIDE TRUSTS

total $2,068,407 · excluded $2,068,407
11d · All other revenue

total $0 · related or exempt $0 · unrelated business $0 · excluded $0
11e · Other revenue, total

$2,068,407

Functional expenses

Part IX, the statement of functional expenses.

1 · Grants to domestic organizations and governments

total $34,733,043 · program services $34,733,043
2 · Grants to domestic individuals

total $63,000 · program services $63,000
5 · Compensation of officers, directors and key employees

total $1,456,879 · program services $699,025 · management and general $129,908 · fundraising $627,946
7 · Other salaries and wages

total $5,514,563 · program services $2,769,626 · management and general $470,424 · fundraising $2,274,513
8 · Pension plan contributions

total $373,048 · program services $181,160 · management and general $36,460 · fundraising $155,428
9 · Other employee benefits

total $651,918 · program services $295,426 · management and general $68,685 · fundraising $287,807
10 · Payroll taxes

total $576,775 · program services $280,542 · management and general $52,228 · fundraising $244,005
11b · Fees: legal

total $74,245 · program services $28,789 · management and general $23,594 · fundraising $21,862
11c · Fees: accounting

total $129,378 · program services $43,723 · management and general $44,523 · fundraising $41,132
11g · Fees: other

total $0 · program services $0 · management and general $0 · fundraising $0
13 · Office expenses

total $200,259 · program services $73,918 · management and general $11,504 · fundraising $114,837
14 · Information technology

total $669,911 · program services $285,629 · management and general $71,731 · fundraising $312,551
16 · Occupancy

total $620,708 · program services $298,329 · management and general $62,251 · fundraising $260,128
17 · Travel

total $21,717 · program services $12,221 · management and general $1,406 · fundraising $8,090
19 · Conferences, conventions and meetings

total $8,759 · program services $4,288 · management and general $525 · fundraising $3,946
21 · Payments to affiliates

total $457,843 · program services $208,883 · management and general $52,458 · fundraising $196,502
22 · Depreciation, depletion and amortization

total $252,662 · program services $122,931 · management and general $24,704 · fundraising $105,027
23 · Insurance

total $57,797 · program services $27,407 · management and general $5,394 · fundraising $24,996
24a · Other expenses: Contracted Services

total $194,671 · program services $175,311 · management and general $27,485 · fundraising -$8,125
24b · Other expenses: Recruiting & Training

total $104,418 · program services $40,800 · management and general $9,489 · fundraising $54,129
24c · Other expenses: Bank and Credit Card Fees

total $102,655 · program services $34,692 · management and general $35,327 · fundraising $32,636
24d · Other expenses: Printing & Publications

total $65,650 · program services $30,210 · management and general $5,324 · fundraising $30,116
24e · All other expenses

total $35,132 · program services $19,807 · management and general $1,244 · fundraising $14,081

Balance sheet

Part X, book values.

1 · Cash, non-interest-bearing

beginning of year $978,337 · end of year $620,661
3 · Pledges and grants receivable

beginning of year $6,262,471 · end of year $5,230,244
4 · Accounts receivable

beginning of year $45,345 · end of year $81,219
5 · Loans and receivables from officers and key people

beginning of year $0 · end of year $0
6 · Loans and receivables from disqualified persons

beginning of year $0 · end of year $0
9 · Prepaid expenses and deferred charges

beginning of year $3,553 · end of year $3,503
10a · Land, buildings and equipment: cost or other basis

$3,252,282
10b · Land, buildings and equipment: accumulated depreciation

$2,170,294
10c · Land, buildings and equipment, net

beginning of year $1,333,274 · end of year $1,081,988
11 · Investments: publicly traded securities

beginning of year $24,882,713 · end of year $23,779,693
12 · Investments: other securities

beginning of year $27,866,286 · end of year $26,450,877
13 · Investments: program-related

beginning of year $0
15 · Other assets

beginning of year $4,399,375 · end of year $3,676,013
17 · Accounts payable and accrued expenses

beginning of year $4,394,323 · end of year $3,194,947
18 · Grants payable

beginning of year $1,328,308 · end of year $1,196,471
22 · Loans and payables to officers and key people

beginning of year $0 · end of year $0
23 · Secured mortgages and notes payable

beginning of year $999,498 · end of year $2,000,000
25 · Other liabilities

beginning of year $5,411,373 · end of year $4,534,377
27 · Net assets without donor restrictions

beginning of year $28,363,125 · end of year $23,725,693
28 · Net assets with donor restrictions

beginning of year $25,274,727 · end of year $26,272,710

Mission and programs · 2024

Mission

To advance an economically just region where prosperity is shared across race and ethnicity.

Activities or mission (Part I)

To advance an economically just region where prosperity is shared across race and ethnicity. United Way exists to build more equitable communities, together. With 90 years of local impact in eastern Massachusetts, we work with and for our communities to build economic prosperity and enable everyone-across races and ethnicities-to share in the knowledge, wealth and resources available. We believe that the key to unlocking opportunity is uniting people, and we bring together individuals, community leaders, corporate partners, legislators and organizations to build a powerful engine of change.

EARLY EDUCATION AND OUT-OF-SCHOOL TIME LEADING CROSS SECTOR COLLABORATION - Closing Achievement Gaps THE CHALLENGE - Students in Massachusetts face barriers that extend beyond the classroom. Chronic absenteeism is again on the rise, with 29% of low-income students missing more than 10 percent of school in 2025. In some districts like Boston, Lawrence, Lynn, and Lowell, the rates of absenteeism are as high as 20-30%. OUR APPROACH - Systems Leadership Through Community Schools United Way brings together people and partners across sectors to close achievement gaps and strengthen support for the whole child. We convene educators, families, nonprofit partners, and policymakers to align resources, integrate services, and create school-centered ecosystems of support. OUR RESPONSE & RESULTS United Way is expanding the Community Schools strategy across Massachusetts, turning schools into hubs that link families, schools, and local resources to support the whole child: - In the 24 community schools funded across Boston, Lynn, and Haverhill, chronic absenteeism decreased by an average of 3.95%. - Six community schools successfully exited DESE turnaround status, including Lowell's Bartlett, Butler, Moody, and Greenhalge schools, and Lynn's Ford and Washington schools. - Community partnerships raised $300,000 in monetary and in-kind donations for two United Way-supported schools in Haverhill. - The Massachusetts Coalition for Community Schools, led by United Way, is advocating to scale the model statewide. INVESTING IN AGENCIES - Making Childcare & After-School Programs Affordable and Accessible THE CHALLENGE - Massachusetts has some of the highest childcare costs in the country. High-quality early education remains inaccessible to families with the greatest need: Only 43% of low-income children are enrolled in preschool, and just 25% of Boston's school-age children participate in summer learning programs. OUR APPROACH - Strategic Investment to Scale What Works Investing in community-based organizations is one of United Way's core levers for advancing systemic impact. We deploy funding strategically to strengthen high-performing providers, expand proven models, and build regional capacity. United Way also drives statewide solutions to make early education and after-school programs accessible and affordable. OUR RESPONSE & RESULTS - Advanced a sustainable business model for family childcare entrepreneurs through Shared Services MA, training and licensing 62 educators, creating 372 new childcare slots, and expanding culturally responsive care in the Merrimack Valley. - Deployed state funding and resources to expand summer learning and after-school programs through the Summer Step Up program, reaching 1,863 children in partnership with 53 organizations across 28 communities. - Mobilized capital and expertise to strengthen 66 early education community-based partners across the region, providing thousands of young children with high-quality learning environments to address gaps in access and affordability.

Expenses $10,919,373 · Grants $9,538,305
SAFE AND STABLE HOUSING THE CHALLENGE - Skyrocketing housing prices are impacting everyone, exacerbating homelessness and making it harder for families to find and remain in affordable housing. Nearly one in five households statewide spend 50% or more of their income on housing, and the Commonwealth estimates 200,000 units are needed to meet the demand for affordable and supportive housing in Massachusetts. OUR APPROACH - Strengthening the Housing Ecosystem United Way is committed to expanding affordable and supportive housing, strengthening frontline organizations, and advancing policies that help families achieve long-term stability. OUR RESPONSE & RESULTS - Co-lead the Massachusetts Supportive Housing Pipeline Coalition, a statewide network of 80+ advocates, developers, service providers, and policy organizations, working to expand supportive housing and advance coordinated homelessness prevention and housing stability policies. - The Affordable Homes Act was signed, authorizing $5.16 billion for housing over five years and creating the Supportive Housing Pool Fund, championed by United Way of Massachusetts Bay, a new resource to streamline and expand housing-plus-services for individuals, families, youth, and young adults at risk of homelessness. - Strengthened the supportive housing pipeline by strategically investing in 30+ community-based partners building and advocating for affordable and supportive housing.

Expenses $7,965,112 · Grants $6,896,702
ECONOMIC INCLUSION AND WEALTH BUILDING AND CRISIS RESPONSE THE CHALLENGE - Many Massachusetts families live on a financial tightrope, one unexpected bill away from crisis. Nearly 300,000 people live in poverty in our region, and nearly 40% of households have little to no emergency savings. THE CHALLENGE - In 2025, sweeping federal policy changes disrupted access to jobs, food, housing, health care, and other essential supports, creating immediate instability for families and the nonprofit organizations they rely on, particularly within immigrant communities. OUR APPROACH - Coordinated, Real-Time Leadership United Way acted swiftly to stabilize households while strengthening systems that create long-term opportunity. We convened nonprofit, government, civic, and corporate leaders to track policy changes in real time, identify emerging needs, and coordinate action across sectors. OUR RESPONSE & RESULTS - Federal Response Calls: Since February 2025, United Way has convened biweekly calls with nonprofit, government, civic, and corporate partners to track policy changes, share real-time insights, and coordinate collective action across the Commonwealth. These conversations helped identify emerging community needs and informed the priorities supported by the United Response Fund. - United Response Fund: Launched in summer 2025, URF rapidly mobilized resources in response to federal decisions that reduced access to essential needs for vulnerable populations. In its first round, the Fund awarded $130,000 to four organizations: Massachusetts Immigrant and Refugee Advocacy Coalition, Lawrence Community Works, Brazilian Workers Center, and Jewish Vocational Services to provide emergency assistance for food, housing, and utilities; strengthen workforce and English for Speakers of Other Languages (ESOL) programs for immigrant workers; and deliver immediate relief to families in crisis.

Expenses $11,355,958 · Grants $10,100,664
DONORS TO THE CAMPAIGN MAY DESIGNATE ALL OR PART OF THEIR CONTRIBUTIONS TO SPECIFIC AGENCIES. SUCH AMOUNTS ARE NOT INCLUDED AS ALLOCATIONS TO AGENCIES AND ARE RECORDED AS A DEDUCTION FROM DONOR CONTRIBUTIONS IN THE AUDITED FINANCIAL STATEMENT OF ACTIVITIES. ALL DONOR DESIGNATIONS ARE VERIFIED FOR 501(C)(3) ELIGIBILITY AND COMPLIANCE WITH THE USA PATRIOT ACT

Expenses $4,336,258 · Grants $4,336,258 · Revenue $48,531
PATHWAYS FOR YOUNG ADULTS THE CHALLENGE Between the ages of 16 and 24, youth and young adults are in a critical period of their lives, defining who they are, exploring their skills and strengths, and dreaming of future goals. In Massachusetts, just under 1 in 10 young people in this age range are not in school or employed. Many youth in Massachusetts enter adulthood unprepared for the workforce, and Career Technical Education is offered in only 27% of high schools. For many young people, college isn't an option, and low-wage work offers limited growth. OUR APPROACH - Building Career Pathways That Reflect Today's Economy United Way ensures youth have access to education, career training, and real-world experiences, providing the support and opportunities they need to navigate nontraditional career paths. Rather than funding isolated programs, we strengthen a regional network that integrates competency-based learning, work-based learning, and apprenticeships into mainstream pathways. OUR RESPONSE & RESULTS - Partnered with 47 community-based organizations that provide education and career pathways to enable youth and young adults to obtain educational credentials, explore career interests, and complete training. Through these collaborations, we: -- Transformed non-traditional routes- competency-based learning, work-based learning, and apprenticeships- into mainstream options for career success. - Equipped young people with in-demand skills, preparing them for family-sustaining careers. - Strengthened opportunities for youth to contribute to their communities and pursue meaningful pathways beyond high school.

Expenses $3,527,459 · Grants $2,348,228
PROGRAM ADMINISTRATION INCLUDES UWMB'S INTERNAL RESOURCE ALLOCATION TO SUPPORT CHILDREN, YOUTH AND FAMILY PROGRAMS.

Expenses $2,324,600 · Grants $1,575,886

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

Alison Ginsberg

Chief Financial Officer/Assistant Treasurer

Total calculated

$263,874

From this org

$213,045

From related orgs

$0

Other

$50,829

Hours/week

37.5

Schedule J breakdown matched by us

Base

$212,730

Bonus

$0

Other

$315

Deferred

$22,524

Nontaxable benefits

$28,305

Filer's total

$263,874
Brenda Campbell-Warner

Chair, Audit Committee

Total calculated

$0

Hours/week

2
Carolyn Murphy

Chair, Talent Committee

Total calculated

$0

Hours/week

2
Daphne Principe-Griffin

Chief of Staff

Total calculated

$291,963

From this org

$259,268

From related orgs

$0

Other

$32,695

Hours/week

37.5

Schedule J breakdown matched by us

Base

$258,288

Bonus

$0

Other

$980

Deferred

$5,646

Nontaxable benefits

$27,049

Filer's total

$291,963
Dr Lorenna Buck

Chair, Community Impact

Total calculated

$0

Hours/week

2
Ellen Griggs

Chair, Investment Committee

Total calculated

$0

Hours/week

2
Kyle Grimes

Board Vice Chair

Total calculated

$0

Hours/week

2
Magnolia Contreras

Chair, Development Committee

Total calculated

$0

Hours/week

2
Marty Martinez

President and CEO

Total calculated

$0
Pamela Herbst

Director

Total calculated

$0

Hours/week

2
Rich Moche

Immediate Past Chair of the Board/Chair, Governance and Nominating Committee

Total calculated

$0

Hours/week

2
Robert Fernandez

Treasurer/Chair Administration & Finance

Total calculated

$0

Hours/week

2
Sujata Yadav

Treasurer

Total calculated

$0

Hours/week

2
Tammi Wortham

Board Chair

Total calculated

$0

Hours/week

2
Ava Callender Concepcion

Director

Total calculated

$0

Hours/week

2
Bill Rosenweig

Director

Total calculated

$0

Hours/week

2
Carolyn M Jones

Director

Total calculated

$0

Hours/week

2
Charles Tillen

Director

Total calculated

$0

Hours/week

2
Christian J Westra

Director

Total calculated

$0

Hours/week

2
Corean Reynolds

Director

Total calculated

$0

Hours/week

2
Dan Gilbane

Director

Total calculated

$0

Hours/week

2
Dananai Morgan

Director

Total calculated

$0

Hours/week

2
Daniel Griggs

Director

Total calculated

$0

Hours/week

2
Dr Tara Parker

Director

Total calculated

$0

Hours/week

2
Elaine Ward

Director

Total calculated

$0

Hours/week

2
Elizabeth Cheng

Director

Total calculated

$0

Hours/week

2
Greg Lauze

Director

Total calculated

$0

Hours/week

2
Gregory Janey

Director

Total calculated

$0

Hours/week

2
Jackie Palladino

Director

Total calculated

$0

Hours/week

2
Jaimie McNeil

Director

Total calculated

$0

Hours/week

2
Jane Steinmetz

Director

Total calculated

$0

Hours/week

2
Jay A Shuman

Director

Total calculated

$0

Hours/week

2
Jeff Fuhrer

Director

Total calculated

$0

Hours/week

2
Jeffrey Bray

Director

Total calculated

$0

Hours/week

2
John Madondo

Secretary

Total calculated

$0

Hours/week

2
Jon Swan

Director

Total calculated

$0

Hours/week

2
Maria Alejandrea-DeCordova

Director

Total calculated

$0

Hours/week

2
Mark S Cuddy

Director

Total calculated

$0

Hours/week

2
Michael Brooks

Director

Total calculated

$0

Hours/week

2
Nancy Kaplan

Director

Total calculated

$0

Hours/week

2
Patrick Gilligan

Director

Total calculated

$0

Hours/week

2
Rita Lara

Director

Total calculated

$0

Hours/week

2
Thomas Samoluk

Director

Total calculated

$0

Hours/week

2
Yadav Sujata

Chair, Public Affairs Committee

Total calculated

$0

Hours/week

2
Brigid Boyd

Chief, Communications & Pubic Affairs

Total calculated

$231,222

From this org

$183,398

From related orgs

$0

Other

$47,824

Hours/week

37.5

Schedule J breakdown matched by us

Base

$182,998

Bonus

$0

Other

$400

Deferred

$19,524

Nontaxable benefits

$28,300

Filer's total

$231,222
Giselle Ferro Puigbo

Chief Development Officer

Total calculated

$175,988

From this org

$173,829

From related orgs

$0

Other

$2,159

Hours/week

37.5

Schedule J breakdown matched by us

Base

$173,574

Bonus

$0

Other

$255

Deferred

$2,159

Nontaxable benefits

$0

Filer's total

$175,988
Karley Ausiello

Chief, Community Impact

Total calculated

$237,078

From this org

$189,718

From related orgs

$0

Other

$47,360

Hours/week

37.5

Schedule J breakdown matched by us

Base

$189,304

Bonus

$0

Other

$414

Deferred

$19,806

Nontaxable benefits

$27,554

Filer's total

$237,078
Sherrie Holder-Watts

Chief, Human resources & Ethics

Total calculated

$208,003

From this org

$191,574

From related orgs

$0

Other

$16,429

Hours/week

37.5

Schedule J breakdown matched by us

Base

$190,033

Bonus

$0

Other

$1,541

Deferred

$15,328

Nontaxable benefits

$1,101

Filer's total

$208,003
Christi Staples

VP, Policy & Government Relations

Total calculated

$180,482

From this org

$167,010

From related orgs

$0

Other

$13,472

Hours/week

37.5

Schedule J breakdown matched by us

Base

$166,800

Bonus

$0

Other

$210

Deferred

$13,472

Nontaxable benefits

$0

Filer's total

$180,482
Ellen T Dickenson

SVP, Research Analytics & Planning

Total calculated

$210,119

From this org

$179,938

From related orgs

$0

Other

$30,181

Hours/week

37.5

Schedule J breakdown matched by us

Base

$179,792

Bonus

$0

Other

$146

Deferred

$19,082

Nontaxable benefits

$11,099

Filer's total

$210,119
Kaitlin S Barnes

VP Operations & Logistics

Total calculated

$195,424

From this org

$176,139

From related orgs

$0

Other

$19,285

Hours/week

37.5

Schedule J breakdown matched by us

Base

$176,012

Bonus

$0

Other

$127

Deferred

$8,305

Nontaxable benefits

$10,980

Filer's total

$195,424
Marvin J Rocha

SVP, Strategic Partnerships & Foundation Relations

Total calculated

$198,646

From this org

$173,346

From related orgs

$0

Other

$25,300

Hours/week

37.5

Schedule J breakdown matched by us

Base

$173,193

Bonus

$0

Other

$153

Deferred

$14,318

Nontaxable benefits

$10,982

Filer's total

$198,646
Rose Martel-Foley

Chief Operating Officer

Total calculated

$169,926

From this org

$158,422

From related orgs

$0

Other

$11,504

Hours/week

37.5

Schedule J breakdown matched by us

Base

$158,312

Bonus

$0

Other

$110

Deferred

$11,456

Nontaxable benefits

$48

Filer's total

$169,926
Robert Giannino

President and CEO

Total calculated

$146,872

From this org

$141,142

From related orgs

$0

Other

$5,730

Hours/week

37.5

Schedule J breakdown matched by us

Base

$141,142

Bonus

$0

Other

$0

Deferred

$5,730

Nontaxable benefits

$0

Filer's total

$146,872

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

3 · Compensation committee
3 · Independent compensation consultant
3 · Form 990 of other organizations
3 · Written employment contract
3 · Compensation survey or study
3 · Approval by the board or compensation committee

Answered no

4a · Severance or change-of-control payment
4b · Supplemental nonqualified retirement plan
4c · Equity-based compensation arrangement
5a · Pay contingent on this organization's revenues
5b · Pay contingent on a related organization's revenues
6a · Pay contingent on this organization's net earnings
6b · Pay contingent on a related organization's net earnings
7 · Other non-fixed payments
8 · Paid under the initial-contract exception

The filer's explanations (Part III)

Schedule J, Part I LINE 3: UWMB'S Executive Committee of the Board of Directors reviews and approves all Executive Compensation, as recommended by UWMB's Compensation Committee.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

Caribbean Youth Club Inc

$1,404,022

Community Impact
NeighborWorks Housing Solutions

$1,264,726

Community Impact
Berkshire Housing Development Corporation

$1,250,003

Community Impact
UW of North Central Massachusetts Inc

$1,115,147

Community Impact
New Healthy Mass

$1,091,950

Community Impact
Planning Office for Urban Affairs

$1,000,000

Community Impact
Louison House Inc

$880,028

Community Impact
Immigrant Family Services Institute

$712,481

Community Impact
For Kids Only Afterschool

$484,411

Community Impact
United Way of Central Massachusetts

$480,141

Community Impact

The 10 largest by cash amount. The API serves every itemized grant.

Provenance

Return type: form_990
Tax year: 2024
Filed: 7 May 2026
IRS schema version: 2024v5.1
Source object: 202611279349303046

Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.

The source document this was parsed from is served over the API, which is where bulk and document access live.