UNITED TEACHERS OF LOWELL LOCAL 495 (EIN 222542221) - 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

1984

Legal Domicile

Principal Officer

PAUL GEORGES

Phone

9789379039

Tax Period

2024-07-01 to 2025-06-30

UNITED TEACHERS OF LOWELL LOCAL 495, founded in 1984, is a community nonprofit in the Employment sector that reported $1.8M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $2.0M exceeded revenue, resulting in a 15% operating deficit.

Mission

UNITED TEACHERS OF LOWELL, LOCAL 495 IS A NONPROFIT ORGANIZATION WHOSE PURPOSE IS TO BRING ALL MEMBERS INTO RELATIONS OF MUTUAL ASSISTANCE AND TO RAISE THE STANDARDS OF THE TEACHING PROFESSION BY SECURING THE CONDITIONS ESSENTIAL TO THE BEST PROFESSIONAL SERVICE

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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 $1,736,062

Program Service Revenue $26,208

Investment Income $2,482

Other Revenue $0

TOTAL REVENUE $1,764,752

Expense Breakdown

Grants Paid $0

Salaries & Benefits $987,721

Fundraising Expenses $0

Program Expenses $964,199

Other Expenses $1,048,844

TOTAL EXPENSES $2,036,565

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,764,752	$1,877,712	-0.1%
Expenses	$2,036,565	$1,568,443	+0.3%
Net Income	$-271,813	$309,269	-1.9%

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

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

$189,139

Total Directors

$585,347

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET C FARRELL	RETIREE ISSUES	10.00	Director	$10,249	$0	$10,249
PATRICIA MYERS	PROFESSIONAL DEVELOPMENT	15.00	Officer Director	$3,914	$0	$3,914
GUISEPPINA MAGGIO PINA	EXECUTIVE VP	15.00	Director	$71,608	$0	$71,608
MARIANNE DUMONT	ED. ISSUES	15.00	Director	$42,910	$0	$42,910
WILLIAM DONAGHEY	MEMBERSHIP CHAIR	15.00	Director	$3,914	$0	$3,914
ROSE MARIE BERGERON	PARAPROFESSIONAL CHAIR	15.00	Director	$25,027	$0	$25,027
LISA ROWSELL	SOCIAL CHAIR	5.00	Director	$11,311	$0	$11,311
DIANE MACLEAN	RECORDING SECRETARY	15.00	Officer Director	$11,880	$0	$11,880
COLLEEN DORRIS	CAFETERIA WORKERS CHAIR	15.00	Director	$20,209	$0	$20,209
MICHAEL SHEEHAN	CUSTODIANS/SECURITY GUARDS CHAIR	15.00	Director	$25,027	$0	$25,027
KEVIN FREEEMAN	TREASURER	15.00	Officer Director	$54,491	$0	$54,491
SUSAN UVANNI	ELEMENTARY SCHOOL VP	15.00	Director	$25,027	$0	$25,027
BARBARD FAUVEL-CAMPBELL	MIDDLE SCHOOL VP	15.00	Director	$12,891	$0	$12,891
MARY ANN DYSON	SECONDARY SCHOOL VP	15.00	Officer Director	$25,027	$0	$25,027
JOHN M EARLE	STAFF REPRESENTATIVE	40.00	Director	$111,221	$0	$111,221
NANCY GIBLIN	OFFICE MANAGER	40.00	Officer Director	$84,191	$0	$84,191
THOMAS RAICHE	OFFICE ASSISTANT	40.00	Director	$36,814	$0	$36,814
MICHELLE RHOADS	MIDDLE SCHOOL VP	40.00	Officer Director	$9,636	$0	$9,636

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	$1,764,752	$2,036,565	$683,393	$-271,813
2024	$1,877,712	$1,568,443	$955,206	$309,269
2023	$1,596,504	$1,498,985	$645,937	$97,519
2022	$1,459,000	$1,456,410	$548,418	$2,590
2021	$1,426,804	$1,223,898	$545,828	$202,906
2020	$1,448,675	$1,355,561	$342,922	$93,114
2019	$1,367,855	$1,315,590	$249,808	$52,265

UNITED TEACHERS OF LOWELL LOCAL 495