DREAM OUT LOUD CENTER INC (EIN 043528626) - 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

2000

Legal Domicile

Principal Officer

PAULA MAILLOUX

Phone

5089909090

Tax Period

2024-10-01 to 2025-09-30

DREAM OUT LOUD CENTER INC, founded in 2000, is a small nonprofit in the Education sector that reported $218K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $189K left a modest 14% surplus.

Mission

TO FOSTER, ENCOURAGE, DEVELOP, AND PROMOTE EDUCATION TO LOW-INCOME INDIVIDUALS AT RISK OF SHORTENING THEIR FORMAL EDUCATION. THE ORGANIZATION PROVIDES ON-SITE AFTER-SCHOOL SERVICES FOR ELEMENTARY CHILDREN TO ENCOURAGE SOCIAL AND ACADEMIC SUCCESS. THE ORGANIZATION ALSO PROVIDES MUSIC AND PRINTING WORKSHOPS FOR TEENAGERS AT ITS LOCATION IN NEW BEDFORD, MASSACHUSETTS TO ENCOURAGE SELF-CONFIDENCE AND RESPONSIBILITY.

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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 $218,236

Program Service Revenue $243

Investment Income $0

Other Revenue $0

TOTAL REVENUE $218,479

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $22,492

Program Expenses $150,208

Other Expenses $188,586

TOTAL EXPENSES $188,586

Year-over-Year Comparison

	2024	2023	Change
Revenue	$218,479	$183,013	+0.2%
Expenses	$188,586	$187,826	+0.0%
Net Income	$29,893	$-4,813	-7.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAULA MAILLOUX	PRESIDENT	5.00	Officer Director	$0	$0	$0
DENISSE PUMAGUALLE	CLERK	1.00	Officer Director	$0	$0	$0
ERYNN JONES	TREASURER	1.00	Officer Director	$0	$0	$0
DAWN LOPES	DIRECTOR	1.00	Director	$0	$0	$0
CHAMPAGNE DEGRACE	DIRECTOR	1.00	Director	$0	$0	$0
CRYSTAL CRUZ	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BISHOP	DIRECTOR	1.00	Director	$0	$0	$0
ANN O'LEARY	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL VIEIRA	DIRECTOR	1.00	Director	$0	$0	$0
BLANCA SANTIAGO	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	$218,479	$188,586	$71,504	$29,893

DREAM OUT LOUD CENTER INC