GREATER LOWELL FAMILY YMCA (EIN 042104398) - 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

1868

Legal Domicile

Principal Officer

KEVIN MORRISSEY

Phone

9784547825

Tax Period

2024-01-01 to 2024-12-31

GREATER LOWELL FAMILY YMCA, founded in 1868, is a community nonprofit in the Human Services sector that reported $6.8M in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $6.3M left a modest 7% surplus.

Mission

THE GREATER LOWELL FAMILY YMCA'S MISSION IS TO STRENGTHEN OUR COMMUNITY BY SUPPORTING YOUTH DEVELOPMENT, HEALTHY LIVING AND SOCIAL RESPONSIBILITY FOR ALL THROUGH PROGRAMS INFLUENCED BY OUR CORE VALUES OF CARING, HONESTY, RESPECT AND RESPONSIBILITY

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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 $1,901,210

Program Service Revenue $4,675,814

Investment Income $155,179

Other Revenue $34,969

TOTAL REVENUE $6,767,172

Expense Breakdown

Grants Paid $225,560

Salaries & Benefits $3,899,309

Fundraising Expenses $21,526

Program Expenses $5,192,510

Other Expenses $2,191,136

TOTAL EXPENSES $6,316,005

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,767,172	$6,252,540	+0.1%
Expenses	$6,316,005	$5,499,587	+0.1%
Net Income	$451,167	$752,953	-0.4%

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

344

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

$316,737

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATE DAME	CHAIRPERSON (SINCE MAY '24)	1.50	Officer Director	$0	$0	$0
DAVID KELLEHER	VICE-CHAIRPERSON (SINCE MAY '24)	1.50	Officer Director	$0	$0	$0
BRIAN BULLOCK	TREASURER	1.50	Officer Director	$0	$0	$0
JENNIFER RIVERA-CINTRON	CLERK	1.50	Officer Director	$0	$0	$0
ERIC ALLEN	DIRECTOR	1.50	Director	$0	$0	$0
ADAM BISPHAM	DIRECTOR	1.50	Director	$0	$0	$0
RUBY CARNEVALE	DIRECTOR	1.50	Director	$0	$0	$0
CHRISTOPHER DICK	DIRECTOR	1.50	Director	$0	$0	$0
RICHARD DIONNE	DIRECTOR	1.50	Director	$0	$0	$0
JOHN DONOVAN	DIRECTOR	1.50	Director	$0	$0	$0
CHRISTOPHER HILL	DIRECTOR	1.50	Director	$0	$0	$0
CAITLIN LANDRY	DIRECTOR	1.50	Director	$0	$0	$0
BONNIE LOMBARDO	DIRECTOR	1.50	Director	$0	$0	$0
CECILIA LYNCH	DIRECTOR	1.50	Director	$0	$0	$0
JOHN MANGIARATTI	DIRECTOR	1.50	Director	$0	$0	$0
JAMES A SULLIVAN JR	DIRECTOR	1.50	Director	$0	$0	$0
KEVIN MORRISSEY	CHIEF EXECUTIVE OFFICER	40.00	Officer	$152,407	$49,725	$202,132
ADELE TSOUKARIS	FINANCIAL CONTROLLER	40.00	Officer	$81,688	$32,917	$114,605

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	$6,767,172	$6,316,005	$12,455,550	$451,167
2023	$6,252,540	$5,499,587	$11,867,480	$752,953
2022	$5,199,632	$4,843,550	$10,924,042	$356,082
2021	$5,843,901	$3,980,172	$10,798,663	$1,863,729
2020	$3,459,731	$3,240,037	$8,838,960	$219,694
2019	$5,154,856	$4,219,935	$5,646,087	$934,921
2018	$4,130,890	$4,004,126	$4,619,505	$126,764

GREATER LOWELL FAMILY YMCA