GIRLS INCORPORATED OF GREATER LOWELL (EIN 042104401) - 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

1948

Legal Domicile

Principal Officer

SONIA RUAS

Phone

9784586529

Tax Period

2024-01-01 to 2024-12-31

GIRLS INCORPORATED OF GREATER LOWELL, founded in 1948, is a community nonprofit in the Youth Development sector that reported $1.4M in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $476K, a strong 34% operating margin.

Mission

GIRLS INCORPORATED OF GREATER LOWELL INPIRES ALL GIRLS TO BE STRONG, SMART, AND BOLD.

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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 $1,168,788

Program Service Revenue $204,447

Investment Income $44,596

Other Revenue $-4,822

TOTAL REVENUE $1,413,009

Expense Breakdown

Grants Paid $0

Salaries & Benefits $507,377

Fundraising Expenses $110,367

Program Expenses $533,582

Other Expenses $429,199

TOTAL EXPENSES $936,576

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,413,009	$1,938,652	-0.3%
Expenses	$936,576	$997,919	-0.1%
Net Income	$476,433	$940,733	-0.5%

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

$132,423

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOPHA MALONE	CEO	65.00	Officer	$129,808	$2,615	$132,423
SONIA RUAS	PRESIDENT	3.00	Officer Director	$0	$0	$0
SUSANNE DUATO	FORMER PRESI	3.00	Officer Director	$0	$0	$0
RACHEL TIERNEY	VICE PRESIDE	3.00	Officer Director	$0	$0	$0
EILEEN MORRISON	TREASURER	3.00	Officer Director	$0	$0	$0
PRACHI SHAH	CLERK	3.00	Officer Director	$0	$0	$0
GABRIELA BOSCAJA	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT SCOTT	DIRECTOR	1.00	Director	$0	$0	$0
JIM GERAGHTY	DIRECTOR	1.00	Director	$0	$0	$0
PAULINE LAMBERT	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH HALE	DIRECTOR	1.00	Director	$0	$0	$0
CHARLENE JANCSY	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA JOYCE	DIRECTOR	1.00	Director	$0	$0	$0
ARLENE RODRIGUEZ PHD	DIRECTOR	1.00	Director	$0	$0	$0
BRENT SMITH	DIRECTOR	1.00	Director	$0	$0	$0
PATRICIA ADAMS	DIRECTOR	1.00	Director	$0	$0	$0
SUSU WONG	DIRECTOR	1.00	Director	$0	$0	$0
ROBIN LORENZEN	DIRECTOR	1.00	Director	$0	$0	$0
LUCREITA AARON	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN LAROCHE	DIRECTOR	1.00	Director	$0	$0	$0
KARA DOYLE	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
2024	$1,413,009	$936,576	$5,906,917	$476,433
2023	$1,938,652	$997,919	$5,339,006	$940,733
2022	$1,696,803	$1,067,291	$4,206,377	$629,512
2021	$2,292,019	$1,095,257	$3,882,150	$1,196,762
2020	$1,566,088	$1,136,616	$2,614,678	$429,472
2019	$1,297,121	$1,206,181	$2,076,776	$90,940
2018	$1,540,476	$1,312,640	$1,835,859	$227,836

GIRLS INCORPORATED OF GREATER LOWELL