BOYS & GIRLS CLUB OF GREATER LOWELL INC (EIN 042104396) - 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

1906

Legal Domicile

Principal Officer

THOMAS HAMMOND

Tax Period

2023-01-01 to 2023-12-31

BOYS & GIRLS CLUB OF GREATER LOWELL INC, founded in 1906, is a community nonprofit in the Youth Development sector that reported $4.4M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $934K, a strong 21% operating margin.

Mission

TO INSPIRE AND ENABLE YOUNG PEOPLE, ESPECIALLY THOSE WHO NEED US MOST, TO REALIZE THEIR FULL POTENTIAL AS PRODUCTIVE, RESPONSIBLE AND CARING CITIZENS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $4,360,317

Program Service Revenue $0

Investment Income $121,747

Other Revenue $-116,999

TOTAL REVENUE $4,365,065

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,345,252

Fundraising Expenses $805,461

Program Expenses $2,212,734

Other Expenses $1,086,186

TOTAL EXPENSES $3,431,438

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,365,065	$3,777,565	+0.2%
Expenses	$3,431,438	$2,831,759	+0.2%
Net Income	$933,627	$945,806	0.0%

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

838

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

$134,205

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH C HUNGLER	EXECUTIVE DI	40.00	Officer	$126,298	$7,907	$134,205
THOMAS HAMMOND	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
JUSTINE DEFRONZO	IMMEDIATE PA	2.00	Officer Director	$0	$0	$0
JOHN SCHWAB	VICE CHAIR	2.00	Officer Director	$0	$0	$0
PAUL DEFRONZO	TREASURER	2.00	Officer Director	$0	$0	$0
BRENDA EVANS	CLERK	2.00	Officer Director	$0	$0	$0
KRISTYN MCKENNA	DIRECTOR	2.00	Director	$0	$0	$0
ANTHONY FALETRA	DIRECTOR	1.00	Director	$0	$0	$0
HENRY OCH	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE DONOVAN	DIRECTOR	1.00	Director	$0	$0	$0
SATHYA PHOLY	DIRECTOR	1.00	Director	$0	$0	$0
ARLENE RODRIGUEZ PHD	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL POPP	DIRECTOR	1.00	Director	$0	$0	$0
ZOE DZINEKU	DIRECTOR	1.00	Director	$0	$0	$0
SHAMIM A DAHOD MD	DIRECTOR	1.00	Director	$0	$0	$0
SANDRA PARKS	DIRECTOR	1.00	Director	$0	$0	$0
J MATTHEW COGGINS	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN TIGHE	DIRECTOR	1.00	Director	$0	$0	$0
LEWIS DEMETROULAKOS	DIRECTOR	1.00	Director	$0	$0	$0
EMILY BYRNE	DIRECTOR	1.00	Director	$0	$0	$0
SOKHOM CHUN	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN CHAPMAN	TRUSTEE CHAI	1.00	Director	$0	$0	$0
ANDREW ZAROULIS	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE BEHRAKIS	DIRECTOR	1.00	Director	$0	$0	$0
DR MARK GILCHRIST	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN COUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL REILLY	DIRECTOR	1.00	Director	$0	$0	$0
JUANCARLOS RIVERA	DIRECTOR OF	40.00	Highest	$107,473	$15,444	$122,917

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	No data	No data	No data	No data
2023	$4,365,065	$3,431,438	$12,278,885	$933,627
2022	$3,777,565	$2,831,759	$10,191,775	$945,806
2021	$5,629,070	$2,433,456	$9,382,961	$3,195,614
2020	$4,057,377	$2,118,637	$6,208,936	$1,938,740
2019	$4,331,311	$2,143,889	$4,263,559	$2,187,422
2018	$2,141,077	$1,910,037	$1,968,629	$231,040

BOYS & GIRLS CLUB OF GREATER LOWELL INC