TY 2024 Form 990

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)
(1) JAMES F LINNEHAN...................................................................... PRESIDENT/CE	40.00 .................		X		191,603	7,803
(2) HOWARD AMIDON...................................................................... VP OF PHILAN	40.00 .................			X	123,300	26,517
(3) JENNIFER ARADHYA...................................................................... VP FOR MARKE	40.00 .................			X	141,247	9,372
(4) JANINNE NOCCO...................................................................... CONTROLLER	40.00 .................			X	107,482	16,187
(5) CHESTER SZABLAK...................................................................... BOARD CHAIR	5.00 .................	X	X		0	0
(6) KAREN FREDERICK...................................................................... VICE CHAIR	5.00 .................	X	X		0	0
(7) MICHAEL R KING...................................................................... TREASURER	5.00 .................	X	X		0	0
(8) CHARLES H COMTOIS CPA...................................................................... ASSISTANT TR	5.00 .................	X	X		0	0
(9) DOROTHY CHEN-COURTIN PHD...................................................................... CLERK	5.00 .................	X	X		0	0
(10) ATTY ANDREA S BATCHELDER...................................................................... DIRECTOR	5.00 .................	X			0	0
(11) SUSANNE BEATON...................................................................... DIRECTOR	5.00 .................	X			0	0
(12) BRIAN L CHAPMAN...................................................................... DIRECTOR	5.00 .................	X			0	0
(13) JOHN P CHEMALY...................................................................... DIRECTOR	5.00 .................	X			0	0
(14) YUN-JU CHOI...................................................................... DIRECTOR	5.00 .................	X			0	0
(15) STEPANIE CRONIN...................................................................... DIRECTOR	5.00 .................	X			0	0
(16) DAVID DALEY...................................................................... DIRECTOR	5.00 .................	X			0	0
(17) DANIEL DONAHUE...................................................................... DIRECTOR	5.00 .................	X			0	0

- TIN:

SCHEDULE A
(Form 990)

Department of the Treasury
Internal Revenue Service

Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2024

Open to Public
Inspection

Name of the organization

GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Part I

Reason for Public Charity Status (All organizations must complete this part.) See instructions.

The organization is not a private foundation because it is: (For lines 1 through 12, check only one box.)

A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i).

A school described in section 170(b)(1)(A)(ii). (Attach Schedule E (Form 990).)

A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).

A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the hospital's name, city, and state:

An organization operated for the benefit of a college or university owned or operated by a governmental unit described in section 170(b)(1)(A)(iv). (Complete Part II.)

A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).

An organization that normally receives a substantial part of its support from a governmental unit or from the general public described in section 170(b)(1)(A)(vi). (Complete Part II.)

A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)

An agricultural research organization described in 170(b)(1)(A)(ix) operated in conjunction with a land-grant college or university or a non-land grant college of agriculture. See instructions. Enter the name, city, and state of the college or university:

An organization that normally receives: (1) more than 33 1/3% of its support from contributions, membership fees, and gross receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 33 1/3% of its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)

An organization organized and operated exclusively to test for public safety. See section 509(a)(4).

An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of one or more publicly supported organizations described in section 509(a)(1) or section 509(a)(2). See section 509(a)(3). Check the box on lines 12a through 12d that describes the type of supporting organization and complete lines 12e, 12f, and 12g.

Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by giving the supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supporting organization. You must complete Part IV, Sections A and B.

Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by having control or management of the supporting organization vested in the same persons that control or manage the supported organization(s). You must complete Part IV, Sections A and C.

Type III functionally integrated. A supporting organization operated in connection with, and functionally integrated with, its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.

Type III non-functionally integrated. A supporting organization operated in connection with its supported organization(s) that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentiveness requirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type III functionally integrated, or Type III non-functionally integrated supporting organization.

Enter the number of supported organizations ...............................

Provide the following information about the supported organization(s).

(i) Name of supported organization	(ii) EIN	(iv) Is the organization listed in your governing document?		(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)
(i) Name of supported organization	(ii) EIN	Yes	No	(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)


Total

For Paperwork Reduction Act Notice, see the Instructions for
Form 990 or 990-EZ.

Cat. No. 11285F

Schedule A (Form 990) 2024

Page 2

Part II

Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization failed to qualify under the tests listed below, please complete Part III.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grant.") ..	4,427,623	4,565,166	4,592,799	6,542,371	4,656,283	24,784,242
2	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf ....
3	The value of services or facilities furnished by a governmental unit to the organization without charge..
4	Total. Add lines 1 through 3	4,427,623	4,565,166	4,592,799	6,542,371	4,656,283	24,784,242
5	The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f) ..						2,420,595
6	Public support. Subtract line 5 from line 4.						22,363,647

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
7	Amounts from line 4..	4,427,623	4,565,166	4,592,799	6,542,371	4,656,283	24,784,242
8	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...	745,282	750,255	787,127	1,003,986	1,181,072	4,467,722
9	Net income from unrelated business activities, whether or not the business is regularly carried on..
10	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.)..
11	Total support. Add lines 7 through 10						29,251,964

Gross receipts from related activities, etc. (see instructions) ..................

First 5 years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here ........................................ right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2024 (line 6, column (f) divided by line 11, column (f)) .........

76.450 %

Public support percentage for 2023 Schedule A, Part II, line 14 ...............

74.400 %

16a

33 1/3% support test—2024. If the organization did not check the box on line 13, and line 14 is 33 1/3% or more, check this box
and stop here. The organization qualifies as a publicly supported organization ....................... right arrow

33 1/3% support test—2023. If the organization did not check a box on line 13 or 16a, and line 15 is 33 1/3% or more, check this
box and stop here. The organization qualifies as a publicly supported organization ..................... right arrow

17a

10%-facts-and-circumstances test—2024. If the organization did not check a box on line 13, 16a, or 16b, and line 14 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported organization ............ right arrow

10%-facts-and-circumstances test—2023. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line 15 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported organization ............ right arrow

Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow

Schedule A (Form 990) 2024

Page 3

Part III

Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 10 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .
2	Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose
3	Gross receipts from activities that are not an unrelated trade or business under section 513 .....
4	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...
5	The value of services or facilities furnished by a governmental unit to the organization without charge
6	Total. Add lines 1 through 5
7a	Amounts included on lines 1, 2, and 3 received from disqualified persons
b	Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.
c	Add lines 7a and 7b..
8	Public support. (Subtract line 7c from line 6.)

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
9	Amounts from line 6...
10a	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources..
b	Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.
c	Add lines 10a and 10b.
11	Net income from unrelated business activities not included on line 10b, whether or not the business is regularly carried on.
12	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) ..
13	Total support. (Add lines 9, 10c, 11, and 12.)..

First 5 years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here................................................. right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2024 (line 8, column (f) divided by line 13, column (f)) .........

Public support percentage from 2023 Schedule A, Part III, line 15 ...............

Section D. Computation of Investment Income Percentage

Investment income percentage for 2024 (line 10c, column (f) divided by line 13, column (f)) ......

Investment income percentage from 2023 Schedule A, Part III, line 17 .............

19a

33 1/3% support tests-2024. If the organization did not check the box on line 14, and line 15 is more than 33 1/3%, and line 17 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ....... right arrow

33 1/3 % support tests—2023. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 33 1/3% and line 18 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ..... right arrow

Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions .... right arrow

Schedule A (Form 990) 2024

Page 4

Part IV

Supporting Organizations

(Complete only if you checked a box on line 12 of Part I. If you checked box 12a, of Part I, complete Sections A and B. If you checked box 12b, of Part I, complete Sections A and C. If you checked box 12c, of Part I, complete Sections A, D, and E. If you checked box12d, of Part I, complete Sections A and D, and complete Part V.)

Section A. All Supporting Organizations

Yes

Are all of the organization’s supported organizations listed by name in the organization’s governing documents?
If "No," describe in Part VI how the supported organizations are designated. If designated by class or purpose,
describe the designation. If historic and continuing relationship, explain.

Did the organization have any supported organization that does not have an IRS determination of status under section 509(a)(1) or (2)? If "Yes," explain in Part VI how the organization determined that the supported organization was described in section 509(a)(1) or (2).

Did the organization have a supported organization described in section 501(c)(4), (5), or (6)? If "Yes," answer lines 3b and 3c below.

Did the organization confirm that each supported organization qualified under section 501(c)(4), (5), or (6) and satisfied the public support tests under section 509(a)(2)? If "Yes," describe in Part VI when and how the organization made the determination.

Did the organization ensure that all support to such organizations was used exclusively for section 170(c)(2)(B) purposes? If "Yes," explain in Part VI what controls the organization put in place to ensure such use.

Was any supported organization not organized in the United States ("foreign supported organization")? If “Yes” and if you checked box 12a or 12b in Part I, answer lines 4b and 4c below.

Did the organization have ultimate control and discretion in deciding whether to make grants to the foreign supported organization? If “Yes,” describe in Part VI how the organization had such control and discretion despite being controlled or supervised by or in connection with its supported organizations.

Did the organization support any foreign supported organization that does not have an IRS determination under sections 501(c)(3) and 509(a)(1) or (2)? If “Yes,” explain in Part VI what controls the organization used to ensure that all support to the foreign supported organization was used exclusively for section 170(c)(2)(B) purposes.

Did the organization add, substitute, or remove any supported organizations during the tax year? If “Yes,” answer lines 5b and 5c below (if applicable). Also, provide detail in Part VI, including (i) the names and EIN numbers of the supported organizations added, substituted, or removed; (ii) the reasons for each such action; (iii) the authority under the organization's organizing document authorizing such action; and (iv) how the action was accomplished (such as by amendment to the organizing document).

Type I or Type II only. Was any added or substituted supported organization part of a class already designated in the organization's organizing document?

Substitutions only. Was the substitution the result of an event beyond the organization's control?

Did the organization provide support (whether in the form of grants or the provision of services or facilities) to anyone other than (i) its supported organizations, (ii) individuals that are part of the charitable class benefited by one or more of its supported organizations, or (iii) other supporting organizations that also support or benefit one or more of the filing organization’s supported organizations? If “Yes,” provide detail in Part VI.

Did the organization provide a grant, loan, compensation, or other similar payment to a substantial contributor (defined in section 4958(c)(3)(C)), a family member of a substantial contributor, or a 35% controlled entity with regard to a substantial contributor? If “Yes,” complete Part I of Schedule L (Form 990) .

Did the organization make a loan to a disqualified person (as defined in section 4958) not described on line 7? If “Yes,” complete Part I of Schedule L (Form 990).

Was the organization controlled directly or indirectly at any time during the tax year by one or more disqualified persons, as defined in section 4946 (other than foundation managers and organizations described in section 509(a)(1) or (2))? If “Yes,” provide detail in Part VI.

Did one or more disqualified persons (as defined on line 9a) hold a controlling interest in any entity in which the supporting organization had an interest? If “Yes,” provide detail in Part VI.

Did a disqualified person (as defined on line 9a) have an ownership interest in, or derive any personal benefit from, assets in which the supporting organization also had an interest? If “Yes,” provide detail in Part VI.

10a

Was the organization subject to the excess business holdings rules of section 4943 because of section 4943(f) (regarding certain Type II supporting organizations, and all Type III non-functionally integrated supporting organizations)? If “Yes,” answer line 10b below.

10a

Did the organization have any excess business holdings in the tax year? (Use Schedule C, Form 4720, to determine whether the organization had excess business holdings).

10b

Schedule A (Form 990) 2024

Page 5

Part IV

Supporting Organizations (continued)

Yes

Has the organization accepted a gift or contribution from any of the following persons?

A person who directly or indirectly controls, either alone or together with persons described on lines 11b and 11c below, the governing body of a supported organization?

11a

A family member of a person described on 11a above?

11b

A 35% controlled entity of a person described on line 11a or 11b above? If “Yes” to 11a, 11b, or 11c, provide detail in Part VI.

11c

Section B. Type I Supporting Organizations

Yes

Did the officers, directors, trustees, or membership of one or more supported organizations have the power to regularly appoint or elect at least a majority of the organization’s directors or trustees at all times during the tax year? If “No,” describe in Part VI how the supported organization(s) effectively operated, supervised, or controlled the organization’s activities. If the organization had more than one supported organization, describe how the powers to appoint and/or remove directors or trustees were allocated among the supported organizations and what conditions or restrictions, if any, applied to such powers during the tax year.

Did the organization operate for the benefit of any supported organization other than the supported organization(s) that operated, supervised, or controlled the supporting organization? If “Yes,” explain in Part VI how providing such benefit carried out the purposes of the supported organization(s) that operated, supervised or controlled the supporting organization.

Section C. Type II Supporting Organizations

Yes

Were a majority of the organization’s directors or trustees during the tax year also a majority of the directors or trustees of each of the organization’s supported organization(s)? If “No,” describe in Part VI how control or management of the supporting organization was vested in the same persons that controlled or managed the supported organization(s).

Section D. All Type III Supporting Organizations

Yes

Did the organization provide to each of its supported organizations, by the last day of the fifth month of the organization’s tax year, (i) a written notice describing the type and amount of support provided during the prior tax year, (ii) a copy of the Form 990 that was most recently filed as of the date of notification, and (iii) copies of the organization’s governing documents in effect on the date of notification, to the extent not previously provided?

Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supported organization(s) or (ii) serving on the governing body of a supported organization? If "No," explain in Part VI how the organization maintained a close and continuous working relationship with the supported organization(s).

By reason of the relationship described in line 2 above, did the organization’s supported organizations have a significant voice in the organization’s investment policies and in directing the use of the organization’s income or assets at all times during the tax year? If "Yes," describe in Part VI the role the organization’s supported organizations played in this regard.

Section E. Type III Functionally-Integrated Supporting Organizations

Check the box next to the method that the organization used to satisfy the Integral Part Test during the year (see instructions):

The organization satisfied the Activities Test. Complete line 2 below.

The organization is the parent of each of its supported organizations. Complete line 3 below.

The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

Activities Test. Answer lines 2a and 2b below.

Yes

Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of the supported organization(s) to which the organization was responsive? If "Yes," then in Part VI identify those supported organizations and explain how these activities directly furthered their exempt purposes, how the organization was responsive to those supported organizations, and how the organization determined that these activities constituted substantially all of its activities.

Did the activities described on line 2a, above constitute activities that, but for the organization’s involvement, one or more of the organization’s supported organization(s) would have been engaged in? If "Yes," explain in Part VI the reasons for the organization’s position that its supported organization(s) would have engaged in these activities but for the organization’s involvement.

Parent of Supported Organizations. Answer lines 3a and 3b below.

Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or trustees of each of the supported organizations?If "Yes" or "No", provide details in Part VI.

Did the organization exercise a substantial degree of direction over the policies, programs and activities of each of its supported organizations? If "Yes," describe in Part VI. the role played by the organization in this regard.

Schedule A (Form 990) 2024

Page 6

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations

Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970 (explain in Part VI). See instructions. All other Type III non-functionally integrated supporting organizations must complete Sections A through E.

	Section A - Adjusted Net Income		(A) Prior Year	(B) Current Year (optional)
1	Net short-term capital gain	1
2	Recoveries of prior-year distributions	2
3	Other gross income (see instructions)	3
4	Add lines 1 through 3	4
5	Depreciation and depletion	5
6	Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions)	6
7	Other expenses (see instructions)	7
8	Adjusted Net Income (subtract lines 5, 6 and 7 from line 4)	8

	Section B - Minimum Asset Amount		(A) Prior Year	(B) Current Year (optional)
1	Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year):	1
a	Average monthly value of securities	1a
b	Average monthly cash balances	1b
c	Fair market value of other non-exempt-use assets	1c
d	Total (add lines 1a, 1b, and 1c)	1d
e	Discount claimed for blockage or other factors (explain in detail in Part VI):
2	Acquisition indebtedness applicable to non-exempt use assets	2
3	Subtract line 2 from line 1d	3
4	Cash deemed held for exempt use. Enter 0.015 of line 3 (for greater amount, see instructions).	4
5	Net value of non-exempt-use assets (subtract line 4 from line 3)	5
6	Multiply line 5 by 0.035	6
7	Recoveries of prior-year distributions	7
8	Minimum Asset Amount (add line 7 to line 6)	8

	Section C - Distributable Amount		Current Year
1	Adjusted net income for prior year (from Section A, line 8, Column A)	1
2	Enter 85% of line 1	2
3	Minimum asset amount for prior year (from Section B, line 8, Column A)	3
4	Enter greater of line 2 or line 3	4
5	Income tax imposed in prior year	5
6	Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions)	6

Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions)

Schedule A (Form 990) 2024

Page 7

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations(continued)

Section D - Distributions		Current Year
1 Amounts paid to supported organizations to accomplish exempt purposes	1
2 Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity	2
3 Administrative expenses paid to accomplish exempt purposes of supported organizations	3
4 Amounts paid to acquire exempt-use assets	4
5 Qualified set-aside amounts (prior IRS approval required - provide details in Part VI)	5
6 Other distributions (describe in Part VI). See instructions	6
7Total annual distributions. Add lines 1 through 6.	7
8 Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions	8
9 Distributable amount for 2024 from Section C, line 6	9
10 Line 8 amount divided by Line 9 amount	10

Section E - Distribution Allocations (see instructions)		(i) Excess Distributions	(ii) Underdistributions Pre-2024	(iii) Distributable Amount for 2024
1 Distributable amount for 2024 from Section C, line 6
2 Underdistributions, if any, for years prior to 2024 (reasonable cause required-- explain in Part VI). See instructions.
3 Excess distributions carryover, if any, to 2024:
a From 2019.......
b From 2020.......
c From 2021.......
d From 2022.......
e From 2023.......
fTotal of lines 3a through e
g Applied to underdistributions of prior years
h Applied to 2024 distributable amount
i Carryover from 2019 not applied (see instructions)
j Remainder. Subtract lines 3g, 3h, and 3i from line 3f.
4Distributions for 2024 from Section D, line 7:
$
a Applied to underdistributions of prior years
b Applied to 2024 distributable amount
c Remainder. Subtract lines 4a and 4b from line 4.
5 Remaining underdistributions for years prior to 2024, if any. Subtract lines 3g and 4a from line 2. If the amount is greater than zero, explain in Part VI. See instructions.
6 Remaining underdistributions for 2024. Subtract lines 3h and 4b from line 1. If the amount is greater than zero, explain in Part VI. See instructions.
7 Excess distributions carryover to 2025. Add lines 3j and 4c.
8 Breakdown of line 7:
a Excess from 2020.....
b Excess from 2021.....
c Excess from 2022.....
d Excess from 2023.....
e Excess from 2024.....

Schedule A (Form 990) (2024)

Schedule A (Form 990) 2024

Page 8

Part VI

Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; Part III, line 12; Part IV, Section A, lines 1, 2, 3b, 3c, 4b, 4c, 5a, 6, 9a, 9b, 9c, 11a, 11b, and 11c; Part IV, Section B, lines 1 and 2; Part IV, Section C, line 1; Part IV, Section D, lines 2 and 3; Part IV, Section E, lines 1c, 2a, 2b, 3a and 3b; Part V, line 1; Part V, Section B, line 1e; Part V Section D, lines 5, 6, and 8; and Part V, Section E, lines 2, 5, and 6. Also complete this part for any additional information. (See instructions).

Facts And Circumstances Test

Return Reference	Explanation
SUPPORTING SCHEDULE	TRANSFER FROM PRIVATE FNDN 0

Schedule A (Form 990) 2024

Additional Data

Software ID:
Software Version:

- TIN:

Schedule B
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

Name of the organization

GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Right Arrow

Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025) Page 2

Name of organization GREATER LOWELL COMMUNITY FOUNDATION INC

Part I	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	,	$ RESTRICTED	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025)

Page 3

Name of organization GREATER LOWELL COMMUNITY FOUNDATION INC		Employer identification number 04-3401997

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025)

Page 4


Name of organization GREATER LOWELL COMMUNITY FOUNDATION INC			Employer identification number 04-3401997
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c) (7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
right arrow

Attach to Form 990.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

		(a) Donor advised funds
1	Total number at end of year .........	79
2	Aggregate value of contributions to (during year)	1,302,803
3	Aggregate value of grants from (during year)	1,082,927
4	Aggregate value at end of year ........	16,487,571

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds are the organization’s property, subject to the organization’s exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements.
Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after July 25, 2006, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year right arrow

Number of states where property subject to conservation easement is located right arrow

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
right arrow

Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
right arrow

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under FASB ASC 958, not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under FASB ASC 958, to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... right arrow

(ii)

Assets included in Form 990, Part X ............................... right arrow

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under FASB ASC 958 relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... right arrow

Assets included in Form 990, Part X ............................... right arrow

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) (Rev. 1-2025)

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability? ...

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ....

Part V

Endowment Funds.
Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a) Current year	(b) Prior year	(c) Two years back	(d) Three years back	(e) Four years back

1a	Beginning of year balance ....	43,853,359	37,658,984	45,255,200	39,681,119	35,104,257
b	Contributions ...	1,607,970	2,320,420	1,560,830	983,107	450,693
c	Net investment earnings, gains, and losses	7,462,872	6,634,121	-6,427,891	6,635,661	6,226,180
d	Grants or scholarships ...	3,033,028	2,734,522	1,971,449	1,698,218	1,428,614
e	Other expenditures for facilities and programs ...	-152,820	25,644	757,706	346,469	671,397
f	Administrative expenses ....
g	End of year balance ......	50,043,993	43,853,359	37,658,984	45,255,200	39,681,119

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment right arrow

86.130 %

Permanent endowment right arrow

3.690 %

Term endowment right arrow

10.180 %

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) Unrelated organizations .................

3a(i)

(ii) Related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b) Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land .....
b	Buildings ....
c	Leasehold improvements
d	Equipment ....	63,736	59,133	4,603
e	Other .....
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				4,603

Schedule D (Form 990) (Rev. 1-2025)

Page 3

Part VII

Investments - Other Securities.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b) Book value	(c) Method of valuation: Cost or end-of-year market value
(1) Financial derivatives.........
(2) Closely-held equity interests........
(3)Other
(A)
(B)
(C)
(D)
(E)
(F)
(G)
(H)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

Investments - Program Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........

Part X

Other Liabilities.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes
AGENCY ENDOWMENT	11,077,908
REFUNDABLE ADVANCE	581,873
FISCAL AGENCY FUNDS	360,040
LIABILITIES UNDER OPERATING LEASE	98,020





Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)	12,117,841
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) (Rev. 1-2025)

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......			1	12,930,999
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a	5,713,683
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ...........	2d	16,800
e	Add lines 2a through 2d .....................			2e	5,730,483
3	Subtract line 2e from line 1..................			3	7,200,516
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a	281,237
b	Other (Describe in Part XIII.) ...........	4b	107,265
c	Add lines 4a and 4b....................			4c	388,502
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......			5	7,589,018

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........			1	6,064,737
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ...........	2d	16,800
e	Add lines 2a through 2d....................			2e	16,800
3	Subtract line 2e from line 1...................			3	6,047,937
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a	281,237
b	Other (Describe in Part XIII.) ...........	4b	145,045
c	Add lines 4a and 4b.....................			4c	426,282
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......			5	6,474,219

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b; Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation
SCHEDULE D, PAGE 3, PART X	THE FOUNDATION INCORPORATED UNDER CHAPTER 180 OF THE MASSACHUSETTS GENERAL LAWS AS A TAX-EXEMPT ENTITY, HAS BEEN GRANTED TAX-EXEMPT STATUS UNDER INTERNAL REVENUE CODE (IRC) SECTION 501(C)(3) AND IS CLASSIFIED AS OTHER THAN A PRIVATE FOUNDATION AS DEFINED BY SECTION 509(A) OF THE IRC. THEREFORE, IT IS GENERALLY EXEMPT FROM FEDERAL AND STATE INCOME TAXES. ACCORDINGLY, NO PROVISION FOR INCOME TAXES IS PROVIDED FOR IN THE ACCOMPANYING FINANCIAL STATEMENTS. ASC 740-10, "ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES," REQUIRES THE FOUNDATION TO EVALUATE AND DISCLOSE TAX POSITIONS THAT COULD HAVE AN EFFECT ON THE FOUNDATION'S FINANCIAL STATEMENTS. THE FOUNDATION REPORTS ITS ACTIVITIES TO THE INTERNAL REVENUE SERVICE AND TO THE COMMONWEALTH OF MASSACHUSETTS ON AN ANNUAL BASIS. THESE INFORMATIONAL RETURNS ARE GENERALLY SUBJECT TO AUDIT AND REVIEW BY THE GOVERNMENTAL AGENCIES FOR A PERIOD OF THREE YEARS AFTER FILING. MANAGEMENT BELIEVES IT IS NO LONGER SUBJECT TO REVIEW BY TAXING AUTHORITIES FOR PERIODS PRIOR TO 2021. SUBSTANTIALLY ALL OF THE FOUNDATION'S INCOME, EXPENDITURES, AND ACTIVITIES RELATE TO ITS EXEMPT PURPOSE, THEREFORE, MANAGEMENT HAS DETERMINED THAT THE FOUNDATION IS NOT SUBJECT TO UNRELATED BUSINESS INCOME TAXES AND WILL CONTINUE TO QUALIFY AS A TAX-EXEMPT NOT-FOR-PROFIT ENTITY.
SCHEDULE D, PAGE 4, PART XI, LINE 2D	FUNDRAISING EXPENSES 16,800
SCHEDULE D, PAGE 4, PART XI, LINE 4B	CONTRIBUTIONS TO AGENCY ENDOWMENT FUNDS 107,265
SCHEDULE D, PAGE 4, PART XII, LINE 2D	FUNDRAISING EXPENSES 16,800
SCHEDULE D, PAGE 4, PART XII, LINE 4B	GRANTS FROM AGENCY ENDOWMENT FUNDS 145,045

Schedule D (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE G (Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Supplemental Information Regarding
Fundraising or Gaming Activities

Complete if the organization answered "Yes" on Form 990, Part IV, lines 17, 18, or 19, or if the organization entered more than $15,000 on Form 990-EZ, line 6a. right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization
GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Part I

Fundraising Activities.Complete if the organization answered "Yes" on Form 990, Part IV, line 17.

Form 990-EZ filers are not required to complete this part.

Indicate whether the organization raised funds through any of the following activities. Check all that apply.

a	Mail solicitations	e	Solicitation of non-government grants
b	Internet and email solicitations	f	Solicitation of government grants
c	Phone solicitations	g	Special fundraising events
d	In-person solicitations

Did the organization have a written or oral agreement with any individual (including officers, directors, trustees

or key employees listed in Form 990, Part VII) or entity in connection with professional fundraising services?

YesNo

If "Yes," list the 10 highest paid individuals or entities (fundraisers) pursuant to agreements under which the fundraiser is
to be compensated at least $5,000 by the organization.

(i) Name and address of individual or entity (fundraiser)	(iii) Did fundraiser have custody or control of contributions?
	Yes	No










Total . . . . . . . . . . . . . . . . . . . .

List all states in which the organization is registered or licensed to solicit contributions or has been notified it is exempt from registration or licensing.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 50083H

Schedule G (Form 990) (Rev. 1-2025)

Page 2

Part II

Fundraising Events. Complete if the organization answered "Yes" on Form 990, Part IV, line 18, or reported more than $15,000 of fundraising event contributions and gross income on Form 990-EZ, lines 1 and 6b. List events with gross receipts greater than $5,000.

		(a) Event #1 CELEBRATE GIVIN (event type)	(b) Event #2 (event type)	(c) Other events (total number)	(d) Total events (add col. (a) through col. (c))
1	Gross receipts . . . . .	17,000			17,000
2	Less: Contributions . . . .	5,806			5,806
3	Gross income (line 1 minus line 2) . . . . . .	11,194			11,194

4	Cash prizes . . . . .
5	Noncash prizes . . . .
6	Rent/facility costs . . . .
7	Food and beverages . . .	3,700	3,700
8	Entertainment . . . .	7,494	7,494
9	Other direct expenses . . .	5,606	5,606
10	Direct expense summary. Add lines 4 through 9 in column (d) . . . . . . . . . .		16,800
11	Net income summary. Subtract line 10 from line 3, column (d). . . . . . . . . .		-5,606

Part III

Gaming. Complete if the organization answered "Yes" on Form 990, Part IV, line 19, or reported more than $15,000 on Form 990-EZ, line 6a.

		(a) Bingo	(b) Pull tabs/Instant bingo/progressive bingo	(c) Other gaming	(d) Total gaming (add col.(a) through col.(c))
1	Gross revenue . . . . .

2	Cash prizes . . . . .
3	Noncash prizes . . . .
4	Rent/facility costs . . . .
5	Other direct expenses . . .

Volunteer labor . . . .

	Yes %
	No

	Yes %
	No

	Yes %
	No

Direct expense summary. Add lines 2 through 5 in column (d) . . . . . . . . . . right arrow

Net gaming income summary. Subtract line 7 from line 1, column (d). . . . . . . . . right arrow

Enter the state(s) in which the organization conducts gaming activities:

Is the organization licensed to conduct gaming activities in each of these states? . . . . . . . .

YesNo

If "No," explain:

10a

Were any of the organization's gaming licenses revoked, suspended or terminated during the tax year? . . .

YesNo

If "Yes," explain:

Schedule G (Form 990) (Rev. 1-2025)

Page 3

Does the organization conduct gaming activities with nonmembers? . . . . . . . . . . .

YesNo

Is the organization a grantor, beneficiary or trustee of a trust or a member of a partnership or other entity

formed to administer charitable gaming? . . . . . . . . . . . . . . . . .

YesNo

Indicate the percentage of gaming activity conducted in:

The organization's facility . . . . . . . . . . . . . . . . . .

13a

An outside facility . . . . . . . . . . . . . . . . . . . .

13b

Enter the name and address of the person who prepares the organization's gaming/special events books and records:

Name

Address

15a

Does the organization have a contract with a third party from whom the organization receives gaming

revenue? . . . . . . . . . . . . . . . . . . . . . . . .

YesNo

If "Yes," enter the amount of gaming revenue received by the organization right arrow

$ and the

amount of gaming revenue retained by the third party right arrow

$ .

If "Yes," enter name and address of the third party:

Name

Address

Gaming manager information:

Name

Gaming manager compensation right arrow

Description of services provided right arrow

Director/officer Employee Independent contractor

Mandatory distributions:

Is the organization required under state law to make charitable distributions from the gaming proceeds to

retain the state gaming license? . . . . . . . . . . . . . . . . . . .

YesNo

Enter the amount of distributions required under state law distributed to other exempt organizations or spent

in the organization's own exempt activities during the tax year right arrow

Part IV

Supplemental Information. Provide the explanations required by Part I, line 2b, columns (iii) and (v); and Part III, lines 9, 9b, 10b, 15b, 15c, 16, and 17b, as applicable. Also provide any additional information. See instructions.

Return Reference	Explanation

Schedule G (Form 990) (Rev. 1-2025)

Additional Data

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Software Version:

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Note: To capture the full content of this document, please select landscape mode (11" x 8.5") when printing.

Schedule I
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Grants and Other Assistance to Organizations,
Governments and Individuals in the United States

Complete if the organization answered "Yes," on Form 990, Part IV, line 21 or 22.
lBullet

Attach to Form 990.
lBullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization
GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number
04-3401997

Part I

General Information on Grants and Assistance

Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ........................

Yes No

Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.

Part II

Grants and Other Assistance to Domestic Organizations and Domestic Governments. Complete if the organization answered "Yes" on Form 990, Part IV, line 21, for any recipient

that received more than $5,000. Part II can be duplicated if additional space is needed.

(a) Name and address of organization or government	(b) EIN	(c) IRC section (if applicable)	(d) Amount of cash grant	(h) Purpose of grant or assistance
(1) AARON'S PRESENTS 180 MAIN ST ANDOVER,MA01810	46-4010444	501(C)	7,730	FOOD SECURITY
(2) ACRE FAMILY CHILD CARE 327 GORHAM ST LOWELL,MA01852	04-3036200	501(C)	6,721	2024 SPENDING POLICY
(3) ADAPTX INC 417 BOLTON RD LANCASTER,MA01523	92-0688377	501(C)	10,000	FOR 5K RACE SPONSORS
(4) ADOLESCENT CONSULTATION SERVICES 189 CAMBRIDGE ST CAMBRIDGE,MA021411715	04-3263996	501(C)	10,000	DIRECT MENTAL HEALTH
(5) AFRICAN CULTURAL ASSOCIATION INC PO BOX 264 LOWELL,MA01852	47-2360996	501(C)	10,000	TO AID WITH PROGRAMM
(6) ALTERNATIVE HOUSE INC PO BOX 2100 LOWELL,MA01851	04-2661054	501(C)	10,000	YOUTH/TEEN EXPANSION
(7) ANDOVER ISLAMIC CENTER 204 ANDOVER ST STE 201 ANDOVER,MA01810	83-3517294	501(C)	10,000	HOUSEHOLD CLEANING
(8) BOSTON PORTUGUESE FESTIVAL INC 493 SOMERVILLE AVE SOMERVILLE,MA02143	35-2655523	501(C)	25,000	UNRESTRICTED
(9) BOYS & GIRLS CLUB OF GREATER LOWELL 657 MIDDLESEX ST LOWELL,MA018511410	04-2104396	501(C)	89,684	CDBG
(10) CAMBODIAN MUTUAL ASSISTANCE ASSOCIATION OF GREATER LOWELL INC 465 SCHOOL ST LOWELL,MA01851	22-2553560	501(C)	33,000	COMMUNITY COLLABORAT
(11) CATHOLIC SCHOOLS FOUNDATION INC INNER-CITY SCHOLARSHIP FUND BOSTON,MA02110	22-2485502	501(C)	25,000	FOR USE IN THE LOWEL
(12) CATIE'S CLOSET INC 28 LOON HILL ROAD DRACUT,MA01826	27-2531953	501(C)	97,483	CATIE'S CLOSET MEETI
(13) CHALLENGE UNLIMITED INC 450 LOWELL ST ANDOVER,MA018105305	22-2478997	501(C)	10,353	2023 DISTRIBUTION
(14) CLEAR PATH FOR VETERANS NEW ENGLAND 27 JACKSON RD STE 200 DEVENS,MA01434	82-0681735	501(C)	20,000	INTEGRATIVE WRAP-ARO
(15) COALITION FOR A BETTER ACRE INC 517 MOODY ST FL 3 LOWELL,MA01854	04-2760272	501(C)	58,921	CDBG
(16) COMMUNITY MUSIC CENTER OF BOSTON 34 WARREN AVE BOSTON,MA02116	04-2437973	501(C)	5,990	THIS CONTRIBUTION IS
(17) COMMUNITY TEAMWORK INC (CTI) 155 MERRIMACK ST 2ND FL LOWELL,MA018521803	04-2382027	501(C)	96,472	CDBG
(18) CULTURAL ORGANIZATION OF LOWELL (CO MILL NO 5 LOWELL,MA01852	04-3579969	501(C)	10,193	UNRESTRICTED
(19) DIGNITY MATTERS INC PO BOX 1262 WESTBOROUGH,MA01581	81-4572839	501(C)	20,000	DIGNITY FOR WOMEN IN
(20) DREW FARMHOUSE PROJECT INC PO BOX 391 WESTFORD,MA01886	93-2701151	501(C)	10,000	TO BRING HOUSING OPP
(21) DWELLING HOUSE OF HOPE 125 MOUNT HOPE ST LOWELL,MA01854	35-2374752	501(C)	87,102	FOR A NEW FREEZER
(22) D'YOUVILLE LIFE & WELLNESS COMMUNITY FOUNDATION INC 981 VARNUM AVE LOWELL,MA01854	91-2055004	501(C)	40,297	UNRESTRICTED
(23) ELLIE FUND 200 RESERVOIR ST STE 300 NEEDHAM HEIGHTS,MA02494	04-3280390	501(C)	31,000	EQUITABLE PATHWAYS T
(24) FRIENDS OF LOWELL HIGH SCHOOL INC PO BOX 1264 LOWELL,MA01853	04-2670250	501(C)	6,880	2024 DISTRIBUTION
(25) FRIENDS OF THE LOWELL COUNCIL ON AG 276 BROADWAY ST LOWELL,MA018544121	04-3460329	501(C)	7,000	IS TO SUPPORT PROGRA
(26) GAINING GROUND INC PO BOX 374 CONCORD,MA01742	04-3083976	501(C)	71,000	CDBG MAY 2024
(27) GIRLS INCORPORATED OF GREATER LOWEL 220 WORTHEN ST LOWELL,MA018521823	04-2104401	501(C)	25,923	FUEL HER FIRE / CELE
(28) GOOD PICKIN' FARM 6 GOULD RD WESTFORD,MA01886	22-2505549	501(C)	7,000	SENIOR SUMMER CAMP D
(29) GREATER LOWELL TECHNICAL HIGH SCHOO 250 PAWTUCKET BLVD TYNGSBORO,MA018792214	20-2144356	GOV	6,000	TO PROVIDE ANNUAL SU
(30) HABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC 3 PARK ST STE 203 ACTON,MA017205700	04-2999854	501(C)	28,000	A PERSON CENTRIC APP
(31) HABITAT FOR HUMANITY OF GREATER LOW 68 TADMUCK RD STE 1 WESTFORD,MA018863136	04-3123186	501(C)	12,000	FOR 17TH ANNUAL DREA
(32) HORIZONS FOR HOMELESS CHILDREN INC 1705 COLUMBUS AVE ROXBURY,MA02119	22-2915188	501(C)	5,350	UNRESTRICTED
(33) IMMACULATE CONCEPTION CHURCH 144 E MERRIMACK ST LOWELL,MA018521207			18,062	FOR FACILITY PRESENT
(34) INTERNATIONAL INSTITUTE OF NEW ENGL 2 BOYLSTON ST FL 3 BOSTON,MA02116	04-2104325	501(C)	84,157	SUPPORT AND STABILIT
(35) KIDS IN TECH INC PO BOX 9057 LOWELL,MA01854	81-3311916	501(C)	15,000	AFTER-SCHOOL TECH CL
(36) LAWRENCE ACADEMY 26 POWDERHOUSE RD GROTON,MA01450	04-2105775	501(C)	10,000	FOR ANNUAL FUND
(37) LIFE CONNECTION CENTER INC 192 APPLETON ST LOWELL,MA01852	47-1339554	501(C)	34,204	CDBG
(38) LOWELL ART ASSOCIATION INC DBA WHISTLER HOUSE MUSEUM OF ART 243 WORTHEN ST LOWELL,MA018521874	04-2428837	501(C)	64,279	UNRESTRICTED
(39) LOWELL CATHOLIC HIGH SCHOOL 530 STEVENS ST LOWELL,MA018514029	04-2563657	501(C)	80,846	TO ASSIST CROSS COUN
(40) LOWELL COMMUNITY HEALTH CENTER (LCH 161 JACKSON ST LOWELL,MA01852	04-2881348	501(C)	85,420	UNRESTRICTED
(41) LOWELL FESTIVAL FOUNDATION PO BOX 217 LOWELL,MA018530217	04-2578293	501(C)	35,500	FOR BOARDINGHOUSE PA
(42) LOWELL HIGH SCHOOL 50 FR MORISSETTE BLVD LOWELL,MA018521037	04-6001396	GOV	9,691	FOR DISTINGUISHED AL
(43) LOWELL HISTORICAL SOCIETY PO BOX 1826 LOWELL,MA018531826	04-6069161	501(C)	8,000	ANNUAL GRANT
(44) LOWELL KINETIC SCULPTURE RACE FISCA 130 JOHN ST UNIT 349 LOWELL,MA01852	04-3401997	501(C)	11,500	KINETIC SCULPTURE RA
(45) LOWELL MIDDLESEX ACADEMY CHARTER SC 67 MIDDLE ST 2ND FL LOWELL,MA01852	04-3245030	501(C)	10,000	FOR CAFE
(46) LOWELL PARKS & CONSERVATION TRUST PO BOX 7162 LOWELL,MA01852	22-3070912	501(C)	49,615	2023 DISTRIBUTION
(47) LOWELL PLAN INC WANNALANCIT MILLS LOWELL,MA018543636	04-2693109	501(C)	16,500	BOARD DIVERSITY INIT
(48) LOWELL TRANSITIONAL LIVING CENTER 205-209 MIDDLESEX ST LOWELL,MA018522112	04-2933012	501(C)	92,750	TO SUPPORT OUR ANNUA
(49) LOWELL YOUTH LEADERSHIP PROGRAM INC 2 BELMONT ST LOWELL,MA01851	87-3289772	501(C)	10,000	LOWELL YOUTH LEADERS
(50) MASSACHUSETTS ALLIANCE OF PORTUGUES SPEAKERS (MAPS) 1046 CAMBRIDGE ST CAMBRIDGE,MA021391407	04-2596270	501(C)	12,000	UNRESTRICTED
(51) MASSACHUSETTS DOWN SYNDROME CONGRESS (MDSC) 20 BURLINGTON MALL RD STE 261 BURLINGTON,MA01803	22-2596246	501(C)	9,252	UNRESTRICTED
(52) MEGAN HOUSE FOUNDATION INC 2100 LAKEVIEW AVE STE 9 DRACUT,MA01826	47-3503719	501(C)	6,500	UNRESTRICTED GRANT I
(53) MERRIMACK REPERTORY THEATRE INC ( 132 WARREN ST LOWELL,MA018522208	04-2664784	501(C)	161,978	TO SUPPORT STUDENT M
(54) MERRIMACK VALLEY FOOD BANK INC PO BOX 2041 LOWELL,MA01851	22-3241609	501(C)	76,353	CDBG
(55) MERRIMACK VALLEY HOUSING PARTNERSHI PO BOX 1042 LOWELL,MA018531042	04-2950316	501(C)	38,442	EXPANDING AFFORDABLE
(56) MILL CITY GROWS 650 SUFFOLK ST STE G10 LOWELL,MA01854	47-2096070	501(C)	47,068	UNRESTRICTED
(57) NASHUA RIVER WATERSHED ASSOCIATION 592 MAIN ST GROTON,MA01450	23-7055674	501(C)	7,500	CITIZEN-SUPPORTED WA
(58) NEW ENGLAND FORESTRY FOUNDATION IN PO BOX 1346 LITTLETON,MA014604346	04-2024022	501(C)	11,750	UNRESTRICTED
(59) NEW ENGLAND PATRIOTS CHARITABLE FOU ONE PATRIOT PL FOXBORO,MA02035	04-3244069	501(C)	10,000	UNRESTRICTED
(60) NEW ENGLAND QUILT MUSEUM 18 SHATTUCK ST LOWELL,MA018521820	04-2971424	501(C)	69,195	UNRESTRICTED
(61) NORTH STAR FAMILY SERVICES INC 758 MAIN ST LEOMINSTER,MA01453	03-0387748	501(C)	15,000	NORTH STAR FAMILY SE
(62) NORTHERN MIDDLESEX COUNCIL OF GOVERNMENTS (NMCOG) 672 SUFFOLK ST STE 100 LOWELL,MA01854	04-6150451	501(C)	15,000	AT HOME IN GREATER L
(63) OARS INC 23 BRADFORD ST STE 6 CONCORD,MA017422971	04-2963426	501(C)	8,500	TRACKING DOWN POLLUT
(64) OBLATE MISSION GUILD 391 MICHIGAN AVE NE WASHINGTON,DC20017	04-6050095	501(C)	5,959	FOR GIFTS TO ECONOMI
(65) ONE CAN HELP INC PO BOX 55 WABAN,MA02468	20-4281579	501(C)	15,000	PROVIDING MISSING AN
(66) OPEN PANTRY OF GREATER LOWELL 13 HURD ST LOWELL,MA018522201	22-2474729	501(C)	9,000	UNRESTRICTED
(67) OPEN TABLE INC PO BOX 42 CONCORD,MA01742	04-3048933	501(C)	73,106	CDBG
(68) PROJECT CITIZENSHIP 11 BEACON STREET BOSTON,MA02108	37-1769643	501(C)	15,000	CITIZENSHIP FOR AN E
(69) PROJECT ELLIE 115 W 3RD ST BOSTON,MA02127	81-2218140	501(C)	10,000	TO SUPPORT PROJECT E
(70) PROJECT KOMPASS INC 83 MIDDLESEX STREET NORTH CHELMSFORD,MA01863	84-4402345	501(C)	19,500	FOR BABY SUPPLIES (D
(71) RAISING A READER (RAR-MA INC) 53 STATE ST STE 500 BOSTON,MA021093111	80-0297898	501(C)	7,500	RAR-MA LOWELL: EARLY
(72) RECREATIONAL ADULT RESOURCE ASSOCIA GREATER LOWELL INC 295 HIGH ST LOWELL,MA018522352	23-7102772	501(C)	16,361	UNRESTRICTED
(73) SAINT ANTHONY PARISH 893 CENTRAL ST LOWELL,MA01852	04-2106247		20,000	FOR THE CHURCH HALL
(74) ST VINCENT DE PAUL SOCIETY 18 CANTON ST STOUGHTON,MA02072	13-5562362	501(C)	12,922	UNRESTRICTED
(75) STONE SOUP KITCHEN MINISTRIES 41 LITTLETON RD AYER,MA01432	87-2405716	501(C)	6,000	FOR FOOD INSECURITY/
(76) THE CATHOLICTV NETWORK PO BOX 9196 WATERTOWN,MA02471	04-2395520	501(C)	10,000	UNRESTRICTED
(77) THE CENTER FOR HOPE AND HEALING IN 15 HURD STREET LOWELL,MA01852	04-2732721	501(C)	15,000	GET TOGETHER: SURVIV
(78) THRIVE COMMUNITIES OF MASSACHUSETTS PO BOX 855 LOWELL,MA01853	04-2382027	501(C)	15,000	GREATER LOWELL CIRCL
(79) TOWN OF CHELMSFORD 50 BILLERICA RD CHELMSFORD,MA018243162	04-6001112	GOV	8,879	FOR DIVERSITY, EQUIT
(80) TROUT UNLIMITED 1777 NORTH KENT ST STE 100 ARLINGTON,VA22209	38-1612715	501(C)	9,039	UNRESTRICTED
(81) UMASS LOWELL ONE PERKINS ST LOWELL,MA01854	04-3167352	GOV	178,000	FOR THE CONCERT
(82) UNITED WAY OF MA BAY & MERRIMACK VA PO BOX 520 BEVERLY,MA019150420	04-2382233	501(C)	65,788	RECEIVE EARNINGS FOR
(83) UNIVERSITY OF MASSACHUSETTS LOWELL 1 PERKINS ST LOWELL,MA01854	04-3167352	GOV	75,836	TO BENEFIT HE MARY J
(84) UTEC INC PO BOX 7066 LOWELL,MA018522207	38-3669532	501(C)	56,751	UNRESTRICTED
(85) VIRGINIA THURSTON HEALING GARDEN I 145 BOLTON ROAD HARVARD,MA01451	04-3522717	501(C)	20,000	EMPOWERING RESILIENC
(86) WESTFORD ACADEMY 30 PATTEN RD WESTFORD,MA018862943	85-4121818	GOV	5,770	WA STUDENT HISTORICA
(87) WOMEN'S MONEY MATTERS 6 LIBERTY SQ STE 2697 BOSTON,MA02109	90-0688545	501(C)	11,685	FOR LIFE LAUNCH FINA
(88) YWCA CENTRAL MASSACHUSETTS INC ONE SALEM SQ WORCESTER,MA01608	04-2105873	501(C)	6,000	DONATION FOR GIRLS
(89) YWCA OF LOWELL 97 CENTRAL ST STE 302 LOWELL,MA018521931	04-2105876	501(C)	55,000	CDBG MAY 2024

Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................. Bullet Image

Enter total number of other organizations listed in the line 1 table ........................ . Bullet Image

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) Rev. 1-2025

Page 2

Part III

Grants and Other Assistance to Domestic Individuals. Complete if the organization answered "Yes" on Form 990, Part IV, line 22.
Part III can be duplicated if additional space is needed.

(a) Type of grant or assistance	(b) Number of recipients	(c) Amount of cash grant	(d) Amount of noncash assistance	(e) Method of valuation (book, FMV, appraisal, other)	(f) Description of noncash assistance

(1) SCHOLARSHIPS FOR TUITION	225	458,665
(1)
(2)
(3)
(4)
(5)
(6)
(7)

Part IV

Supplemental Information. Provide the information required in Part I, line 2; Part III, column (b); and any other additional information.

Return Reference	Explanation
SCHEDULE I, PAGE 1, PART I, LINE 2	CAPACITY GRANTS, WATER RESOURCES GRANTS AND ELDERLY GRANTS ALL HAVE A FINAL REPORT THAT IS DUE THE FOLLOWING YEAR. STATE GRANTS REQUIRE ADDITIONAL REPORTING. ALL OTHER GRANTS WE DO NOT HAVE A SPECIFIC FINAL REPORT DUE.

Schedule I (Form 990) Rev. 1-2025

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
medium right arrow graphic

Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
medium right arrow graphic

Attach to Form 990.
medium right arrow graphic

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on Line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .....

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked on Line 1a? ....

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a, with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? .............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ....................

Any related organization? .......................

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ..................

Any related organization? ......................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any nonfixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III ..........................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) (Rev. 1-2025)

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2, 1099-MISC compensation, and/or 1099-NEC			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1JAMES F LINNEHAN PRESIDENT/CEO	(i) (ii)	191,603 -------------	-------------	-------------	-------------	7,803 -------------	199,406 -------------	-------------
2JENNIFER ARADHYA VP FOR MARKETING	(i) (ii)	141,247 -------------	-------------	-------------	-------------	9,372 -------------	150,619 -------------	-------------

Schedule J (Form 990) (Rev. 1-2025)

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation

Schedule J (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization

GREATER LOWELL COMMUNITY FOUNDATION
INC

Employer identification number

04-3401997

Return Reference	Explanation
FORM 990 - ORGANIZATION'S MISSION	THE MISSION OF THE GREATER LOWELL COMMUNITY FOUNDATION IS TO IMPROVE THE QUALITY OF LIFE IN THE AREA. THE FOUNDATION IS A COMMUNITY RESOURCE, WHICH ATTRACTS FUNDS, DISTRIBUTES GRANTS, AND SERVES AS A CATALYST AND LEADER AMONG FUNDERS, AGENCIES AND INDIVIDUALS TO ADDRESS IDENTIFIED AND EMERGENT NEEDS. THE COMMUNITY FOUNDATION IS A PROFESSIONAL, COMPASSIONATE STEWARD OF DONOR FUNDS AND BUILDS UPON THE CREATIVE VISION OF ITS FOUNDERS AND THE COMMUNITY. IT PROMOTES AND ENCOURAGES THE ROLE OF PHILANTHROPY IN IMPROVING THE QUALITY OF LIFE IN THE COMMUNITIES IT SERVES.
FORM 990, PAGE 6, PART VI, LINE 11B	THE DRAFT FORM 990 IS DISTRIBUTED TO THE AUDIT COMMITTEE FOR REVIEW AND THEN DISTRIBUTED TO THE ENTIRE BOARD FOR COMMENT AND REVIEW PRIOR TO FILING.
FORM 990, PAGE 6, PART VI, LINE 12C	ANNUALLY THE POLICY IS REVIEWED AND ACKNOWLEDGED BY APPLICABLE PARTIES.
FORM 990, PAGE 6, PART VI, LINE 15A	THE BOARD SETS THE COMPENSATION RANGE FOR THE PRESIDENT AND CEO.
FORM 990, PAGE 6, PART VI, LINE 19	THE FOUNDATION HAS A WRITTEN AND APPROVED CONFLICT OF INTEREST POLICY WHICH, ALONG WITH ITS FORM 990 AND FORM 1023, IS AVAILABLE BY REQUEST ONLY.
FORM 990, PART XI, LINE 9	GRANTS FROM AGENCY ENDOWMENT 145,045 GIFTS TO AGENCY ENDOWMENT -107,265 TOTAL 37,780

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	6,542,371	4,656,283
9	Program service revenue (Part VIII, line 2g) .........		0
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	1,982,949	2,938,341
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	-15,309	-5,606
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	8,510,011	7,589,018
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	4,924,269	3,781,246
14	Benefits paid to or for members (Part IX, column (A), line 4).....		0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	1,069,039	1,117,927
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....		0
b	Total fundraising expenses (Part IX, column (D), line 25) 356,472
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	1,206,800	1,575,046
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	7,200,108	6,474,219
19	Revenue less expenses. Subtract line 18 from line 12.......	1,309,903	1,114,799
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	61,872,454	69,957,157
21	Total liabilities (Part X, line 26).............	11,087,351	12,305,792
22	Net assets or fund balances. Subtract line 21 from line 20.....	50,785,103	57,651,365

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 5,796,804 including grants of $ 3,781,246 ) (Revenue $ )
	DISTRIBUTING GRANTS TO LOCAL NON-PROFIT AGENCIES AND SCHOLARSHIPS TO AREA STUDENTS IN ACCORDANCE WITH OUR MISSION TO IMPROVE THE QUALITY OF LIFE IN THE GREATER LOWELL COMMUNITY.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses5,796,804

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(D) Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and title
(18) ERIC P HEALY........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(19) ANDREW MACY........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(20) PATTU MASON........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(21) GLEN MELLO........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(22) DIANA NGUYEN........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(23) SHIELA OCH........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(24) JUANCARLOS RIVERA........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(25) BRIAN J STAFFORD........................................................................ DIRECTOR	5.00 .......................	X	0	0	0
(26) JAY STEPHENS........................................................................ DIRECTOR	5.00 .......................	X	0	0	0

1b	Sub-Total..............
c	Total from continuation sheets to Part VII, Section A..
d	Total (add lines 1b and 1c).........	563,632	59,879

1	Briefly describe the organization’s mission or most significant activities: THE MISSION OF THE GREATER LOWELL COMMUNITY FOUNDATION IS TO IMPROVE THE QUALITY OF LIFE IN THE AREA. THE FOUNDATION IS A COMMUNITY RESOURCE, WHICH ATTRACTS FUNDS, DISTRIBUTES GRANTS, AND SERVES AS A CATALYST AND LEADER AMONG FUNDERS, AGENCIES AND INDIVIDUALS TO ADDRESS IDENTIFIED AND EMERGENT NEEDS. THE COMMUNITY FOUNDATION IS A PROFESSIONAL, COMPASSIONATE STEWARD OF DONOR FUNDS AND BUILDS UPON THE CREATIVE VISION OF ITS FOUNDERS AND THE COMMUNITY. IT PROMOTES AND ENCOURAGES THE ROLE OF PHILANTHROPY IN IMPROVING THE QUALITY OF LIFE IN THE COMMUNITIES IT SERVES.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	22
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	22
5	Total number of individuals employed in calendar year 2024 (Part V, line 2a) ......	5	13
6	Total number of volunteers (estimate if necessary) .............	6	25
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, Part I, line 11 .........	7b

(A) Name and business address	(B) Description of services	(C) Compensation
MOORS CABOT, 1 FEDERAL STREET BOSTON,MA02110	INVESTMENT MGMT	175,820
ENTERPRISE BANK, 222 MERRIMACK ST FLOOR 2 LOWELL,MA01852	INVESTMENT MGMT	133,827



2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 2

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c	5,806
d	Related organizations		1d
e	Government grants (contributions)		1e	1,338,315

f	All other contributions, gifts, grants, and similar amounts not included above		1f	3,312,162

g	Noncash contributions included in lines 1a - 1f:$		1g	3,470

h Total. Add lines 1a-1f.......		4,656,283

		Business Code
2a
b
c
d
e
f	All other program service revenue.
g	Total. Add lines 2a–2f .....

3 Investment income (including dividends, interest, and othersimilar amounts) ......			1,181,072		1,181,072
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
			(i) Real	(ii) Personal
6a	Gross rents	6a
b	Less: rental expenses	6b
c	Rental income or (loss)	6c
d	Net rental income or (loss).......
			(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	7a	12,516,929
b	Less: cost or other basis and sales expenses	7b	10,759,660
c	Gain or (loss)	7c	1,757,269
d	Net gain or (loss).........			1,757,269		1,757,269
8a	Gross income from fundraising events (not including $ 5,806of contributions reported on line 1c). See Part IV, line 18 ....
			8a	11,194
b	Less: direct expenses ...		8b	16,800
c	Net income or (loss) from fundraising events..			-5,606		-5,606
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..

Business Code
11a
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......
12	Total revenue. See instructions.....			7,589,018		2,932,735

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	3,322,581	3,322,581
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........	458,665	458,665
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........	199,273	79,709	19,927	99,637
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........	712,572	428,529	148,400	135,643
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	13,383	8,344	2,946	2,093
9	Other employee benefits .......	121,175	68,053	22,644	30,478
10	Payroll taxes ...........	71,524	39,961	13,255	18,308
11	Fees for services (non-employees):
a	Management ......
b	Legal .........
c	Accounting ...........	45,234		45,234
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......	281,237	281,237
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	424,185	402,951	20,184	1,050
12	Advertising and promotion ....	7,234	6,511	723
13	Office expenses .......	138,317	107,720	9,761	20,836
14	Information technology ......	12,259	6,497	2,084	3,678
15	Royalties ..
16	Occupancy ...........	64,661	34,270	10,992	19,399
17	Travel ............	14,177	11,158		3,019
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	177,291	158,442	18,849
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	2,272	1,363	227	682
23	Insurance ...	8,176	5,314	409	2,453
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	FISCAL SPONSORSHIP	327,730	327,730
b	EVENT SPONSORSHIP EXPENSE	47,476	42,728	4,748
c	TICKET EVENTS	18,412			18,412
d	PROFESSIONAL DEVELOPMENT	5,601	5,041	560
e	All other expenses	784			784
25	Total functional expenses. Add lines 1 through 24e	6,474,219	5,796,804	320,943	356,472
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........			410,232	1	58,843
2	Savings and temporary cash investments .........			2,563,606	2	1,933,419
3	Pledges and grants receivable, net ......			87,847	3	214,833
4	Accounts receivable, net .............			397,131	4	197,276
5	Loans and other receivables from any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
					5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
					6
7	Notes and loans receivable, net ...........				7
8	Inventories for sale or use ............				8
9	Prepaid expenses and deferred charges ......			15,030	9	15,297
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	63,736
b	Less: accumulated depreciation	10b	59,133	6,072	10c	4,603
11	Investments—publicly traded securities .			58,258,850	11	67,437,772
12	Investments—other securities. See Part IV, line 11 .....				12
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............				14
15	Other assets. See Part IV, line 11 ...........			133,686	15	95,114
16	Total assets. Add lines 1 through 15 (must equal line 33)...			61,872,454	16	69,957,157

17	Accounts payable and accrued expenses .....	346,574	17	179,951
18	Grants payable ...	5,000	18	8,000
19	Deferred revenue .........		19
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	10,735,777	25	12,117,841
26	Total liabilities. Add lines 17 through 25..	11,087,351	26	12,305,792

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........	44,685,996	27	50,295,964
28	Net assets with donor restrictions ...........	6,099,107	28	7,355,401
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....		29
30	Paid-in or capital surplus, or land, building or equipment fund ...		30
31	Retained earnings, endowment, accumulated income, or other funds		31
32	Total net assets or fund balances ...........	50,785,103	32	57,651,365
33	Total liabilities and net assets/fund balances ........	61,872,454	33	69,957,157