Greater Lowell Community Foundation Inc (EIN 043401997) - 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

1997

Legal Domicile

Principal Officer

Chester Szablak

Phone

9789701600

Tax Period

2025-01-01 to 2025-12-31

Greater Lowell Community Foundation Inc, founded in 1997, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $8.8M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.5M, a strong 17% operating margin.

Mission

The mission of the Greater Lowell Community Foundation is to improve the quality of life in the area. The Foundation is a community resource, which attracts funds, distributes grants, and serves as a catalyst and leader among funders, agencies, and individuals to address identified and emergent needs. The community foundation is a professional, compassionate steward of donor funds and builds upon the creative vision of its founders and the community. It promotes and encourages the role of philanthropy in improving the quality of life in the communities it serves.

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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 (2025)

Revenue Breakdown

Contributions & Grants $6,195,661

Program Service Revenue $0

Investment Income $2,616,338

Other Revenue $2,270

TOTAL REVENUE $8,814,269

Expense Breakdown

Grants Paid $4,554,821

Salaries & Benefits $1,161,341

Fundraising Expenses $351,377

Program Expenses $6,652,758

Other Expenses $1,637,912

TOTAL EXPENSES $7,354,074

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,814,269	$7,589,018	+0.2%
Expenses	$7,354,074	$6,474,219	+0.1%
Net Income	$1,460,195	$1,114,799	+0.3%

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

112

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

$210,353

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Chester Szablak	Board Chair	5.00	Officer Director	$0	$0	$0
Karen Frederick	Vice Chair	5.00	Officer Director	$0	$0	$0
Michael R King	Treasurer	5.00	Officer Director	$0	$0	$0
Charles H Comtois CPA	Assistant Treasurer	5.00	Officer Director	$0	$0	$0
Dorothy Chen-Courtin PhD	Clerk	5.00	Officer Director	$0	$0	$0
Atty Andrea S Batchelder	Director	5.00	Director	$0	$0	$0
Susanne Beaton	Director	5.00	Director	$0	$0	$0
Yun-Ju Choi	Director	5.00	Director	$0	$0	$0
Stepanie Cronin	Director	5.00	Director	$0	$0	$0
David Daley	Director	5.00	Director	$0	$0	$0
Eric P Healy	Director	5.00	Director	$0	$0	$0
Patti Mason	Director	5.00	Director	$0	$0	$0
Glen Mello	Director	5.00	Director	$0	$0	$0
Diana Nguyen	Director	5.00	Director	$0	$0	$0
Shiela Och	Director	5.00	Director	$0	$0	$0
JuanCarlos Rivera	Director	5.00	Director	$0	$0	$0
Brian J Stafford	Director	5.00	Director	$0	$0	$0
Jay Stephens	Director	5.00	Director	$0	$0	$0
Cherrice Lattimore	Director	5.00	Director	$0	$0	$0
Ben K James	Director	5.00	Director	$0	$0	$0
Andrew Macey	Director	5.00	Director	$0	$0	$0
James F Linnehan	President/CEO	40.00	Officer	$202,136	$8,217	$210,353
Howard Amidon	VP of Philanthropy	40.00	Highest	$129,181	$34,489	$163,670
Jennifer Aradhya	VP for Marketing	40.00	Highest	$149,081	$6,597	$155,678
Janinne Nocco	Controller	40.00	Highest	$120,770	$7,088	$127,858

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	$8,814,269	$7,354,074	$75,199,784	$1,460,195
2024	$7,589,018	$6,474,219	$69,957,157	$1,114,799
2023	$8,510,011	$7,200,108	$61,872,454	$1,309,903
2022	$9,411,237	$5,650,735	$53,462,931	$3,760,502
2021	$8,473,367	$6,202,854	$59,223,650	$2,270,513
2020	$8,402,571	$6,003,528	$50,953,660	$2,399,043
2019	$3,987,115	$2,954,460	$43,138,462	$1,032,655
2018	$6,297,765	$3,726,538	$35,060,161	$2,571,227

Greater Lowell Community Foundation Inc