MENTAL HEALTH ASSOCIATION OF GREATER LOWELL INC (EIN 042180222) - 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

1953

Legal Domicile

Principal Officer

BRUCE L BIRD

Phone

6174411800

Tax Period

2020-07-01 to 2020-10-01

MENTAL HEALTH ASSOCIATION OF GREATER LOWELL INC, founded in 1953, is a small nonprofit that reported $252K in total revenue in fiscal year 2020. Revenue fell 75% from the prior year — a significant decline worth monitoring.

Mission

MENTAL HEALTH ASSOCIATION OF GREATER LOWELL, INC. PROVIDES QUALITY MENTAL HEALTH SERVICES AND JOINS WITH OTHER HEALTHCARE PROVIDERS IN THE DEVELOPMENT OF A COMPREHENSIVE NETWORK OF COMMUNITY MENTAL HEALTH SERVICES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $252,257

Investment Income $209

Other Revenue $0

TOTAL REVENUE $252,466

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,270

Other Expenses $265,645

TOTAL EXPENSES $265,645

Year-over-Year Comparison

	2020	2019	Change
Revenue	$252,466	$997,648	-0.7%
Expenses	$265,645	$1,112,576	-0.8%
Net Income	$-13,179	$-114,928	-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

N/A

Employees

N/A

Volunteers

N/A

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

$148,167

Total Directors

$148,167

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE L BIRD	DIRECTOR, PRESIDENT	0.50	Officer Director	$0	$3,843	$87,696
RICHARD F SULLIVAN	DIRECTOR, TREASURER & CLERK	0.50	Officer Director	$0	$5,155	$60,471

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
2020	$997,648	$1,112,576	$1,271,849	$-114,928
2020	$252,466	$265,645	No data	$-13,179
2019	$1,179,632	$1,374,421	$1,594,116	$-194,789
2018	$8,690,884	$8,949,772	$5,932,392	$-258,888

MENTAL HEALTH ASSOCIATION OF GREATER LOWELL INC