Lowell Plan Inc (EIN 042693109) - 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

1980

Legal Domicile

Principal Officer

John Power

Phone

9784599899

Tax Period

2024-07-01 to 2025-06-30

Lowell Plan Inc, founded in 1980, is a small nonprofit in the Community Improvement sector that reported $423K in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. Net assets of $2.2M represent 62 months of operating reserves.

Mission

To facilitate and advocate for change and foster collaboration across sectors.

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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 $227,355

Program Service Revenue $136,273

Investment Income $58,993

Other Revenue $0

TOTAL REVENUE $422,621

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,116

Fundraising Expenses $0

Program Expenses $357,060

Other Expenses $336,755

TOTAL EXPENSES $457,871

Year-over-Year Comparison

	2024	2023	Change
Revenue	$422,621	$338,801	+0.2%
Expenses	$457,871	$464,195	0.0%
Net Income	$-35,250	$-125,394	-0.7%

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
John Power	Co-Chair	1.00	Officer Director	$0	$0	$0
Gary Campbell	Co-Chair	1.00	Officer Director	$0	$0	$0
Jason Stephens	Treasurer	1.00	Officer Director	$0	$0	$0
James Hogan	Clerk/Secretary	1.00	Officer Director	$0	$0	$0
Allison Lamey	Executive Director	1.00	Officer Director	$0	$0	$0
Jeff Brown	Director	1.00	Director	$0	$0	$0
Jeff Bush	Director	1.00	Director	$0	$0	$0
Brian Chapman	Director	1.00	Director	$0	$0	$0
Charles Desourdy	Director	1.00	Director	$0	$0	$0
Allistair Former	Director	1.00	Director	$0	$0	$0
Susan Griffin	Director	1.00	Director	$0	$0	$0
Yovani Baez-Rose	Director	1.00	Director	$0	$0	$0
Steve LaRochelle	Director	1.00	Director	$0	$0	$0
Julie Chen	Director	1.00	Director	$0	$0	$0
James Linnehan Jr	Director	1.00	Director	$0	$0	$0
Philip Sisson	Director	1.00	Director	$0	$0	$0
Anthony Nganga	Director	1.00	Director	$0	$0	$0
Julie Golanska	Director	1.00	Director	$0	$0	$0
Michael Reilly	Director	1.00	Director	$0	$0	$0
Robert Rivers	Director	1.00	Director	$0	$0	$0
Matt Robbins	Director	1.00	Director	$0	$0	$0
William Soucy	Director	1.00	Director	$0	$0	$0
Larissa Thurston	Director	1.00	Director	$0	$0	$0
Angela Strunk	Director	1.00	Director	$0	$0	$0
Daniel Rourke	Director	1.00	Director	$0	$0	$0
Thomas Golden Jr	Director	1.00	Director	$0	$0	$0
Danielle McFadden	Director	1.00	Director	$0	$0	$0
Laura Lamarre Anderson	Director	1.00	Director	$0	$0	$0
Nate Robertson	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	$422,621	$457,871	$2,251,239	$-35,250
2024	$338,801	$464,195	$2,143,400	$-125,394
2023	$454,556	$602,249	$2,065,384	$-147,693
2022	$307,460	$335,237	$2,117,219	$-27,777
2021	$343,871	$296,684	$2,311,249	$47,187
2020	$966,510	$349,198	$2,185,881	$617,312
2019	$499,860	$393,087	$1,485,865	$106,773
2018	$350,690	$376,938	$1,366,876	$-26,248

Lowell Plan Inc