Lowell Alumni Association (EIN 946125408) - 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

Quincy Yu

Phone

4153476866

Tax Period

2024-07-01 to 2025-06-30

Lowell Alumni Association, founded in 1981, is a small nonprofit in the Education sector that reported $809K in total revenue in fiscal year 2024. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $892K exceeded revenue, resulting in a 10% operating deficit.

Mission

The Lowell Alumni Association maintains and enhances relationships that serve and support our alumni, students, school and the Lowell community.

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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 $484,622

Program Service Revenue $95,104

Investment Income $226,298

Other Revenue $3,050

TOTAL REVENUE $809,074

Expense Breakdown

Grants Paid $596,553

Salaries & Benefits $86,534

Fundraising Expenses $76,309

Program Expenses $717,769

Other Expenses $208,461

TOTAL EXPENSES $891,548

Year-over-Year Comparison

	2024	2023	Change
Revenue	$809,074	$1,860,627	-0.6%
Expenses	$891,548	$924,206	0.0%
Net Income	$-82,474	$936,421	-1.1%

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

100

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

$15,121

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERENCE ABAD	Executive Dir.	20.00	Officer	$15,121	$0	$15,121
Peter Lee	President	5.00	Officer Director	$0	$0	$0
Quincy Yu	Treasurer	2.00	Officer Director	$0	$0	$0
Lee Cheng	Secretary	1.00	Officer Director	$0	$0	$0
Phillip Shinn	Vice President	1.00	Officer Director	$0	$0	$0
Kate Lazarus	VP, Governance	1.00	Officer Director	$0	$0	$0
Christine Linnenbach	VP, Planning	1.00	Officer Director	$0	$0	$0
Cary Wong	DIRECTOR	1.00	Director	$0	$0	$0
Chuck Breyer	Director	1.00	Director	$0	$0	$0
Emily Moon	Director	1.00	Director	$0	$0	$0
Eugene Lee	Director	1.00	Director	$0	$0	$0
Gerry Buchwald	Director	1.00	Director	$0	$0	$0
Helen Wax	Director	1.00	Director	$0	$0	$0
James Han	Director	1.00	Director	$0	$0	$0
Jennifer Wong	Director	1.00	Director	$0	$0	$0
John Trasvia	Director	1.00	Director	$0	$0	$0
Joyce Yuan	Director	1.00	Director	$0	$0	$0
Julia Ye	Director	1.00	Director	$0	$0	$0
Lee Blum	Director	1.00	Director	$0	$0	$0
Adnan Khan	Director	1.00	Director	$0	$0	$0
Lisa Clay	Director	1.00	Director	$0	$0	$0
Mark Budak	Director	1.00	Director	$0	$0	$0
Mark Mosheim	Director	1.00	Director	$0	$0	$0
Matthew Estipona	Director	1.00	Director	$0	$0	$0
Pamela Sayad	Director	1.00	Director	$0	$0	$0
Annie Miu Wasacz	Director	1.00	Director	$0	$0	$0
Bob Wu	Director	1.00	Director	$0	$0	$0
Sunil Kapadia	Director	1.00	Director	$0	$0	$0
Tony Quang	Director	1.00	Director	$0	$0	$0
Tree Tam	Director	1.00	Director	$0	$0	$0
Tycho Rosenfeld	Director	1.00	Director	$0	$0	$0
Allene Jue	Director	1.00	Director	$0	$0	$0
Bruce Green	Director	1.00	Director	$0	$0	$0
Elizabeth Carl Murphy	Director	1.00	Director	$0	$0	$0
Jessica Kuzmanich Gaynor	Director	1.00	Director	$0	$0	$0
Laurance Lee	Director	1.00	Director	$0	$0	$0
Mikhail Kazantsev	Director	1.00	Director	$0	$0	$0
Scott Silverman	Director	1.00	Director	$0	$0	$0
Elizabeth Carl Murphy	Director	1.00	Director	$0	$0	$0
Stephen Hsu	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	$809,074	$891,548	$9,116,031	$-82,474
2024	$1,860,627	$924,206	$8,443,639	$936,421
2023	$1,372,481	$703,839	$7,557,691	$668,642
2022	$1,098,988	$1,514,230	$6,494,922	$-415,242
2021	$786,955	$720,488	$7,870,953	$66,467
2020	$865,201	$1,243,041	$6,850,687	$-377,840
2019	$1,667,882	$805,810	$6,345,976	$862,072
2018	$1,999,502	$707,985	$5,461,156	$1,291,517

Lowell Alumni Association