LUDLOW BOYS AND GIRLS CLUB INC

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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

1949

Legal Domicile

Principal Officer

JOSUE IRIZARRY

Phone

4135832072

Tax Period

2024-01-01 to 2024-12-31

LUDLOW BOYS AND GIRLS CLUB INC, founded in 1949, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Expenses of $2.0M left a modest 4% surplus.

Mission

TO INSPIRE AND ENABLE YOUTH AND ADULTS TO BUILD BETTER COMMUNITIES BY PROVIDING LIFE-ENHANCING EXPERIENCES AND PROGRAMS THROUGH WHICH THEY WILL REALIZE THEIR FULL POTENTIAL AS RESPONSIBLE AND CARING CITIZENS.

Program Service Accomplishments

Program 1

Expenses: $1,387,669 Revenue: $1,374,885

THE LUDLOW COMMUNITY CENTER/RANDALL BOYS & GIRLS CLUB HAS SERVED AS THE TOWN OF LUDLOW'S MAIN RESOURCE FOR LIFE-ENHANCING YOUTH PROGRAMS AND ACTIVITIES. THE CLUB OPERATES 51 WEEKS A YEAR, 6 DAYS A...

THE LUDLOW COMMUNITY CENTER/RANDALL BOYS & GIRLS CLUB HAS SERVED AS THE TOWN OF LUDLOW'S MAIN RESOURCE FOR LIFE-ENHANCING YOUTH PROGRAMS AND ACTIVITIES. THE CLUB OPERATES 51 WEEKS A YEAR, 6 DAYS A WEEK, SERVING MEMBERS FROM LUDLOW AS WELL AS SURROUNDING COMMUNITIES IN HAMPDEN AND HAMPSHIRE COUNTIES. THE CLUB PROVIDES A BROAD RANGE OF PROGRAMS IN FIVE CORE PROGRAM AREAS: CHARACTER AND LEADERSHIP DEVELOPMENT; EDUCATION AND CAREER DEVELOPMENT; HEALTH AND LIFE SKILLS; THE ARTS; AND SPORTS, FITNESS AND RECREATION; AND SEVERAL SPECIALIZED INITIATIVES, BASED ON COMMUNITY NEED. PROGRAMS ARE DESIGNED TO DRIVE POSITIVE OUTCOMES FOR YOUTH AND REINFORCE CRITICAL LIFE SKILLS. ALL PROGRAMS ARE FOR THE BENEFIT OF LOCAL YOUTH AND ADULTS. PROGRAMS INCLUDE: YOUTH RECREATION, ATHLETICS, SUMMER CAMP, SWIMMING, BASKETBALL, PRESCHOOL, BEFORE AND AFTER SCHOOL PROGRAMS, REMOTE LEARNING PROGRAMS, YOUTH DANCES AND COMPUTER TRAINING.

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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 (2024)

Revenue Breakdown

Contributions & Grants $657,687

Program Service Revenue $1,374,885

Investment Income $46,718

Other Revenue $3,616

TOTAL REVENUE $2,082,906

Expense Breakdown

Grants Paid $27,620

Salaries & Benefits $1,369,728

Fundraising Expenses $54,755

Program Expenses $1,387,669

Other Expenses $600,507

TOTAL EXPENSES $1,997,855

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,082,906	$2,152,428	0.0%
Expenses	$1,997,855	$1,867,033	+0.1%
Net Income	$85,051	$285,395	-0.7%

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

328

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

$126,851

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK GERMAIN	CHAIR	1.00	Officer Director	$0	$0	$0
KEITH TATLOCK	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRANDON O'BRIEN	TREASURER	1.00	Officer Director	$0	$0	$0
BETH TEIXEIRA	SECRETARY	1.00	Officer Director	$0	$0	$0
MAUREEN BEAUREGARD	DIRECTOR	1.00	Director	$0	$0	$0
MARNIE BOVEE	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN CALHENO	DIRECTOR	1.00	Director	$0	$0	$0
CARLA V DILORETO	DIRECTOR	1.00	Director	$0	$0	$0
ANN GLICIA	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER IAMPIETRO	DIRECTOR	1.00	Director	$0	$0	$0
PETER LEONCZYK	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM E MAHONEY	DIRECTOR	1.00	Director	$0	$0	$0
JASON MOURAO	DIRECTOR	1.00	Director	$0	$0	$0
SARAH M PASCALE ESQ	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD PERRYMAN	DIRECTOR	1.00	Director	$0	$0	$0
DIANA ROY	DIRECTOR	1.00	Director	$0	$0	$0
KATE ROY	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN R TEIXEIRA	DIRECTOR	1.00	Director	$0	$0	$0
DR FRANK TIANO	DIRECTOR	1.00	Director	$0	$0	$0
JOSUE IRIZARRY	PRESIDENT & CEO	40.00	Officer	$107,962	$18,889	$126,851

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
2024	$2,082,906	$1,997,855	$2,227,656	$85,051
2023	$2,152,428	$1,867,033	$2,185,876	$285,395
2022	$2,264,213	$1,622,627	$2,026,565	$641,586
2021	$1,675,153	$1,225,999	$1,602,409	$449,154
2020	$1,365,891	$1,225,935	$992,322	$139,956
2019	$1,884,990	$1,894,776	$699,368	$-9,786
2018	$1,822,845	$1,792,299	$714,478	$30,546