GREATER LOWELL POLISH NATIONAL HOME ASSOC INC (EIN 041735010) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1993

Legal Domicile

Principal Officer

Stanley Wozniak

Phone

9788527858

Tax Period

2025-01-01 to 2025-12-31

GREATER LOWELL POLISH NATIONAL HOME ASSOC INC, founded in 1993, is a small nonprofit that reported $238K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $265K exceeded revenue, resulting in a 12% operating deficit.

Mission

Our mission is to represent and promote the general welfare interests traditions and customs of the Polish people and our membership and to work with the Greater Lowell Polish community for the educational charitable and benevolent purposes.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $5,367

Program Service Revenue $0

Investment Income $6,152

Other Revenue $226,074

TOTAL REVENUE $237,593

Expense Breakdown

Grants Paid $3,527

Salaries & Benefits $87,969

Fundraising Expenses $0

Program Expenses $0

Other Expenses $173,781

TOTAL EXPENSES $265,277

Year-over-Year Comparison

	2025	2024	Change
Revenue	$237,593	$215,733	+0.1%
Expenses	$265,277	$205,092	+0.3%
Net Income	$-27,684	$10,641	-3.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$9,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Edward Kalenoski	President	5.00	Officer	$9,000	$0	$9,000
Christine ONeill	Vice Prsident	1.00	Officer	$0	$0	$0
Thomas Stupakewicz	Secretary	1.00	Officer	$0	$0	$0
Stanley Wozniak	Treasurer	15.00	Officer	$0	$0	$0
Mary Kalenoski	Director	1.00	Director	$0	$0	$0
Joseph Kazalski	Director	2.00	Director	$0	$0	$0
Dennis ONeil	Director	2.75	Director	$0	$0	$0
Ruthann ONeil	Director	1.25	Director	$0	$0	$0
Paula Stupakewicz	Director	0.25	Director	$0	$0	$0
Gary Long	Director	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$237,593	$265,277	$218,089	$-27,684
2024	$215,733	$205,092	$245,773	$10,641
2023	$236,979	$282,003	$235,132	$-45,024
2022	$236,698	$254,948	$280,156	$-18,250
2021	$174,569	$153,685	$298,406	$20,884
2020	$116,340	$123,716	$277,522	$-7,376

GREATER LOWELL POLISH NATIONAL HOME ASSOC INC