LOWER PIONEER VALLEY EDUCATIONAL CORPORATION (EIN 042673974) - 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

1981

Legal Domicile

Principal Officer

CATHERINE MCDOUGAL

Phone

4137352200

Tax Period

2024-07-01 to 2025-06-30

LOWER PIONEER VALLEY EDUCATIONAL CORPORATION, founded in 1981, is a community nonprofit in the Community Improvement sector that reported $2.3M in total revenue in fiscal year 2024. Revenue fell 40% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $1.2M, a strong 50% operating margin.

Mission

LOWER PIONEER VALLEY EDUCATIONAL CORPORATION LEASES ASSETS IT OWNS TO LOWER PIONEER VALLEY EDUCATIONAL COLLABORATIVE AND OTHER GOVERMENTAL PUBLIC ENTITIES WHO PROVIDE HIGH-QUALITY SHARED PROGRAMS AND SERVICES IN SUPPORT OF ITS STUDENTS.

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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 $1,267,151

Program Service Revenue $1,027,000

Investment Income $36,439

Other Revenue $0

TOTAL REVENUE $2,330,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,143,413

Other Expenses $1,158,336

TOTAL EXPENSES $1,158,336

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,330,590	$3,885,524	-0.4%
Expenses	$1,158,336	$1,112,668	+0.0%
Net Income	$1,172,254	$2,772,856	-0.6%

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

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

$309,537

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE MCDOUGAL	PRESIDENT	2.00	Officer Director	$0	$0	$0
SARAH BOWLER	VICE PRESIDENT/TREASURER	2.00	Officer Director	$0	$0	$0
ROBERT STEVENSON	CLERK	2.00	Officer Director	$0	$0	$0
KIRA THOMPSON	DIRECTOR	2.00	Director	$0	$0	$0
WILLIAM STROTHER	DIRECTOR (JOINED FY25)	2.00	Director	$0	$0	$0
MICHAEL TIRABASSI	DIRECTOR (JOINED FY25)	2.00	Director	$0	$0	$0
DR ADAM ROSENBLUM	DIRECTOR (JOINED FY25)	2.00	Director	$0	$0	$0
ANNA BISHOP	DIRECTOR OF FINANCE	2.00	Officer	$0	$0	$147,555
ALVIN MORTON	EXECUTIVE DIRECTOR	2.00	Officer	$0	$0	$161,982

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	$2,330,590	$1,158,336	$22,204,470	$1,172,254
2024	No data	No data	No data	No data
2023	$1,244,467	$1,129,201	$21,056,695	$115,266
2022	$1,156,226	$1,144,897	$19,885,677	$11,329
2021	$1,439,455	$1,151,086	$20,398,557	$288,369
2020	$2,020,660	$1,167,863	$20,633,327	$852,797
2019	$1,841,238	$1,131,305	$20,384,216	$709,933
2018	$1,254,792	$1,143,002	$20,101,659	$111,790

LOWER PIONEER VALLEY EDUCATIONAL CORPORATION