Lowell Terrace Corp (EIN 311601975) - 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

1998

Legal Domicile

Phone

3035046500

Tax Period

2024-07-01 to 2025-06-30

Lowell Terrace Corp, founded in 1998, is a small nonprofit in the Human Services sector that reported $189K in total revenue in fiscal year 2024. Expenses of $270K exceeded revenue, resulting in a 43% operating deficit.

Mission

PROVIDE QUALITY, AFFORDABLE HOUSING FOR PEOPLE WITH BEHAVIORAL HEALTH NEEDS.

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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 $0

Program Service Revenue $188,787

Investment Income $423

Other Revenue $0

TOTAL REVENUE $189,210

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $226,477

Other Expenses $270,023

TOTAL EXPENSES $270,023

Year-over-Year Comparison

	2024	2023	Change
Revenue	$189,210	$188,723	+0.0%
Expenses	$270,023	$330,541	-0.2%
Net Income	$-80,813	$-141,818	-0.4%

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

$1,331,543

Total Directors

$1,331,543

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANGELA OAKLEY	BOARD TREASURER & CFO OF MHCD	0.5	Officer Director	$0	$41,184	$392,718
CARL CLARK MD	FORMER BOARD PRESIDENT & CEO OF MHCD (RETIRED 12/31/24)	0.5	Officer Director	$0	$26,303	$622,973
JAMES GREER	BOARD PRESIDENT & CEO OF MHCD STARTING 5/15/25	0.5	Officer Director	$0	$19,173	$315,852
CYNTHIA LOWERY-GRABER	DIRECTOR	0.5	Director	$0	$0	$0
JASON HOPCUS	DIRECTOR	0.5	Director	$0	$0	$0
MARJORIE LEWIS	BOARD DIRECTOR SABIN & MHCD	0.5	Director	$0	$0	$0
THOMAS BRYAN CPA	DIRECTOR	0.5	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	$189,210	$270,023	$928,350	$-80,813
2024	No data	No data	No data	No data
2023	$194,511	$296,614	$1,028,038	$-102,103
2022	$170,189	$274,213	$1,025,068	$-104,024
2021	$158,510	$249,147	$1,035,875	$-90,637
2020	$156,498	$208,551	$1,083,705	$-52,053
2019	$169,020	$170,750	$1,074,747	$-1,730
2018	$132,606	$163,614	$1,083,772	$-31,008

Lowell Terrace Corp