Polish American Veterans of Lowell Inc (EIN 042393009) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1948

Legal Domicile

Principal Officer

Thomas Stupakewicz

Phone

9784528190

Tax Period

2023-01-01 to 2023-12-31

Polish American Veterans of Lowell Inc, founded in 1948, is a micro nonprofit that reported $3K in total revenue in fiscal year 2023. Revenue fell 85% from the prior year — a significant decline worth monitoring. Expenses of $29K exceeded revenue, resulting in a 727% operating deficit.

Mission

Meeting Facilities for Polish Amer Vets

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,000

Program Service Revenue $0

Investment Income $2,477

Other Revenue $0

TOTAL REVENUE $3,477

Expense Breakdown

Grants Paid $8,920

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $19,841

TOTAL EXPENSES $28,761

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,477	$23,679	-0.9%
Expenses	$28,761	$101,784	-0.7%
Net Income	$-25,284	$-78,105	-0.7%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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
Robert Jaracz	Commander/President	25.00	Officer	$0	$0	$0
Paul E Kazalski Sr	Senior Vice Commander	20.00	Officer	$0	$0	$0
Alexander Janeczko	Adjutant/Clerk	20.00	Officer	$0	$0	$0
Thomas Stupakewicz	Quartermaster	20.00	Officer	$0	$0	$0
Joseph Kazalski	Director	5.00	Director	$0	$0	$0
Edward Leczynski	Director	5.00	Director	$0	$0	$0
Stanley Wozniak	Director	5.00	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	No data	No data	No data	No data
2023	$3,477	$28,761	$455,406	$-25,284
2022	$23,679	$101,784	$465,739	$-78,105
2021	$8,896	$18,287	$543,830	$-9,391
2020	$6,076	$12,434	$553,236	$-6,358
2019	$12,430	$22,591	$559,594	$-10,161
2018	$18,828	$27,326	$569,755	$-8,498

Polish American Veterans of Lowell Inc