Greater Lowell Family Y M C A
Only null% goes to programs Strong reserves Growing revenue
Greater Lowell Family Y M C A is a 501(c)(3) organization based in Lowell, Massachusetts, registered in 1934, with $6,767,172 in FY2024 revenue. CharityIndex grades it B.
35 YMCA Dr, Lowell, MA, 01852 EIN 04-2104398 Since 1934
Revenue (FY2024)
$6.8M
▲ 8.2% vs prior year
Human Services median: $293K
Expenses (FY2024)
$6.3M
Net assets
$8.9M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Greater Lowell Family Y M C A— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating17 mo reserves · +7% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Greater Lowell Family Y M C A: 17 mo reserves · +7% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Greater Lowell Family Y M C A— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Greater Lowell Family Y M C A: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Contact & location
- Address
- 35 YMCA Dr, Lowell, MA, 01852
- City
- Lowell
- State
- Massachusetts
- Category
- Human Services
- Subcategory
- Human Service Organizations
- Website
- …
Financial trends
Revenue grew from $3.1M (FY2013) to $6.8M (FY2024) across 11 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $3.5MNet assets $8.9M
Operating margin
6.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$12.5M
Total liabilities
$3.5M
Net assets
$8.9M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $6,767,172▲8.2% | $6,316,005▲14.8% | $8,925,419▲6.9% | $12,455,550▲5.0% | 990 |
| 2023 | $6,252,540▲20.2% | $5,499,587▲13.5% | $8,350,306▲13.8% | $11,867,480▲8.6% | 990 |
| 2022 | $5,199,632▼11.0% | $4,843,550▲21.7% | $7,335,393▲0.4% | $10,924,042▲1.2% | 990 |
| 2021 | $5,843,901▲68.9% | $3,980,172▲22.8% | $7,308,571▲35.8% | $10,798,663▲22.2% | 990 |
| 2020 | $3,459,731▼32.9% | $3,240,037▼23.2% | $5,383,432▲6.8% | $8,838,960▲56.6% | 990 |
| 2019 | $5,154,856▲24.8% | $4,219,935▲5.4% | $5,038,337▲27.5% | $5,646,087▲22.2% | 990 |
| 2018 | $4,130,890▲3.7% | $4,004,126▲7.9% | $3,952,006▲1.0% | $4,619,505▲1.0% | 990 |
| 2017 | $3,983,908▲5.7% | $3,711,814▲11.0% | $3,911,073▲7.5% | $4,572,992▼8.1% | 990 |
| 2016 | $3,769,576▲12.7% | $3,342,639▲6.2% | $3,638,618▲13.6% | $4,978,080▲10.2% | 990 |
| 2015 | $3,343,477▲6.3% | $3,146,481▲10.2% | $3,201,860▲5.1% | $4,519,171▼3.5% | 990 |
| 2013 | $3,146,621 | $2,854,178▼1.2% | $3,046,283▲10.8% | $4,681,625▲5.0% | 990 |
| 2012 | — | $2,888,343 | $2,748,262 | $4,459,462 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Grants received · $152K total
15 grants to Greater Lowell Family Y M C A totaling $152K, reported by foundations on their Schedule I filings.
| Grantmaker | Purpose | Year | Amount |
|---|---|---|---|
| National Council of Young Mens Christian Assns of the USA | Program support | 2023 | $17,361 |
| National Council of Young Mens Christian Assns of the USA | Program support | 2022 | $6,154 |
| The Lowell General Hospital | Donation/sponsor various events | 2021 | $5,415 |
| Fidelity Investments Charitable Gift Fund | For grant recipient's exempt purposes | 2020 | $18,500 |
| Fidelity Investments Charitable Gift Fund | For grant recipient's exempt purposes | 2019 | $13,000 |
| The Lowell General Hospital | Donation/sponsor various events | 2019 | $12,500 |
| The Lowell General Hospital | Donation/sponsor various events | 2018 | $16,015 |
| The Lowell General Hospital | Donation/sponsor various events | 2017 | $8,235 |
| Health Resources In Action Inc | Worksite wellness | 2017 | $1,000 |
| Fidelity Investments Charitable Gift Fund | For grant recipient's exempt purposes | 2016 | $15,000 |
| The Lowell General Hospital | Sponsor various events | 2016 | $10,500 |
| Health Resources In Action Inc | Worksite wellness | 2016 | $9,000 |
| The Lowell General Hospital | Sponsor various events | 2015 | $7,900 |
| The Lowell General Hospital | Sponsor various events | 2014 | $5,915 |
| Network For Good Inc | Unrestricted | 2014 | $5,277 |
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Frequently asked questions
- Is Greater Lowell Family Y M C A a legitimate nonprofit?
- Yes. Greater Lowell Family Y M C A is a 501(c)(3) organization registered with the U.S. Internal Revenue Service under EIN 04-2104398, based in Lowell, Massachusetts. Donations are tax-deductible.
- What is Greater Lowell Family Y M C A's EIN?
- Greater Lowell Family Y M C A's Employer Identification Number (EIN) is 04-2104398.
- How much revenue does Greater Lowell Family Y M C A report?
- Greater Lowell Family Y M C A reported $6,767,172 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Greater Lowell Family Y M C A have?
- CharityIndex grades Greater Lowell Family Y M C A B, based on financial health (reserves and operating margin).
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Data for Greater Lowell Family Y M C A (EIN 04-2104398) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.