LUDLOW EDUCATION ASSOCIATION INC (EIN 237132561) - 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

1981

Legal Domicile

Principal Officer

NANCY RAYMOND

Phone

4135472894

Tax Period

2019-07-01 to 2020-06-30

LUDLOW EDUCATION ASSOCIATION INC, founded in 1981, is a small nonprofit that reported $245K in total revenue in fiscal year 2019. Revenue surged 20% from the prior year, signaling strong growth momentum.

Mission

MAINTAIN AND IMPROVE THE QUALITY OF EDUCATION FOR THE STUDENTS AND UPHELD HIGH PROFESSIONAL STANDARDS AND ADVANCE THE SOCIO-ECONOMIC WELL BEING OF EDUCATORS OF LUDLOW, MA.

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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 (2019)

Revenue Breakdown

Contributions & Grants $242,414

Program Service Revenue $0

Investment Income $1,226

Other Revenue $1,440

TOTAL REVENUE $245,080

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $20,779

Fundraising Expenses $0

Other Expenses $4,651

TOTAL EXPENSES $246,615

Year-over-Year Comparison

	2019	2018	Change
Revenue	$245,080	$203,485	+0.2%
Expenses	$246,615	$195,075	+0.3%
Net Income	$-1,535	$8,410	-1.2%

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

290

Independent Members

290

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

$12,250

Total Directors

$8,475

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY RAYMOND	CO-PRESIDENT	2.00	Officer Director	$4,238	$0	$4,238
JODI YARKEY	CO-PRESIDENT	2.00	Officer Director	$4,237	$0	$4,237
ALLISON BREEN	TREASURER	2.00	Officer	$2,250	$0	$2,250
MICHELLE D'AMORE	SECRETARY	2.00	Officer	$1,525	$0	$1,525

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
2020	$245,080	$246,615	$75,422	$-1,535
2019	$203,485	$195,075	$55,012	$8,410

LUDLOW EDUCATION ASSOCIATION INC