THE CATHOLIC EDUCATION FOUNDATION OF GREATER LOWELL (EIN 208788352) - 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

2006

Legal Domicile

Principal Officer

NICHOLAS A SANNELLA

Phone

9788077238

Tax Period

2025-01-01 to 2025-12-31

THE CATHOLIC EDUCATION FOUNDATION OF GREATER LOWELL, founded in 2006, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $37K in total revenue in fiscal year 2025. Expenses of $51K exceeded revenue, resulting in a 40% operating deficit.

Mission

TO FOSTER AND ENHANCE CATHOLIC EDUCATION IN LOCAL COMMUNITIES AFFILIATED WITH THE ARCHDIOCESE OF BOSTON MASSACHUSETTS.

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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 $0

Program Service Revenue $0

Investment Income $36,591

Other Revenue $0

TOTAL REVENUE $36,591

Expense Breakdown

Grants Paid $50,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $50,000

Other Expenses $1,250

TOTAL EXPENSES $51,250

Year-over-Year Comparison

	2025	2024	Change
Revenue	$36,591	$-15,403	-3.4%
Expenses	$51,250	$51,300	0.0%
Net Income	$-14,659	$-66,703	-0.8%

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

N/A

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
NICHOLAS SANELLA	TRUSTEE	20.00	Officer Director	$0	$0	$0
SHELAGH MAHONEY	TRUSTEE	0.00	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	$36,591	$51,250	$1,258,687	$-14,659
2024	No data	No data	No data	No data
2023	$-63,894	$31,300	$896,876	$-95,194
2022	$-118,330	$76,300	$992,278	$-194,630
2021	$25,958	$77,400	$1,321,330	$-51,442
2020	$-78,454	$29,753	$1,088,493	$-108,207
2019	$-140,419	$5,370	$1,116,947	$-145,789
2018	$28,967	$30,817	$851,907	$-1,850

THE CATHOLIC EDUCATION FOUNDATION OF GREATER LOWELL