YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF L (EIN 042105876) - 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

1905

Legal Domicile

Principal Officer

KATHERINE A KOBOS

Phone

9784545405

Tax Period

2023-07-01 to 2024-06-30

YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF L, founded in 1905, is a small nonprofit in the Human Services sector that reported $927K in total revenue in fiscal year 2023. Revenue decreased 16% compared to the prior year. Expenses of $897K left a modest 3% surplus.

Mission

YWCA OF LOWELL IS DEDICATED TO ELIMINATING RACISM, EMPOWERING WOMEN, AND PROMOTING JUSTICE FOR ALL.

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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 $728,359

Program Service Revenue $137,046

Investment Income $61,366

Other Revenue $0

TOTAL REVENUE $926,771

Expense Breakdown

Grants Paid $0

Salaries & Benefits $515,179

Fundraising Expenses $4,933

Program Expenses $745,769

Other Expenses $382,078

TOTAL EXPENSES $897,257

Year-over-Year Comparison

	2023	2022	Change
Revenue	$926,771	$1,104,690	-0.2%
Expenses	$897,257	$728,747	+0.2%
Net Income	$29,514	$375,943	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH CRUZ	TREASURER/CLERK	2.00	Officer Director	$0	$0	$0
NAYCHELLE GANDIA	PRESIDENT	1.00	Officer Director	$0	$0	$0
ROSEMARY MERCIER	DIRECTOR	1.00	Director	$0	$0	$0
NAVI OSORNO	DIRECTOR	1.00	Director	$0	$0	$0
PREMA NAGATHAN	DIRECTOR	1.00	Director	$0	$0	$0
YASMINE WEIL-POURFARD	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	No data	No data	No data	No data
2024	$926,771	$897,257	$2,934,903	$29,514
2023	$1,104,690	$728,747	$2,804,028	$375,943
2022	$1,129,342	$586,718	$2,253,015	$542,624
2021	$899,817	$597,568	$2,246,782	$302,249
2020	$526,727	$487,864	$1,658,719	$38,863
2019	$502,886	$480,894	$1,620,325	$21,992

YOUNG WOMEN'S CHRISTIAN ASSOCIATION OF L