The Cambodian Mutual Assistance Association Of Greater Lowell Inc
Cambodian Mutual Assistance Association of Greater Lowell: Strong Program Spending, but Transparency Lacking
EIN: 222553560 · Lowell, MA · NTEE: P840 · Updated: 2026-04-04
| Metric | Value |
|---|---|
| Total Revenue | $1.6M |
| Total Expenses | $1.2M |
| Program Spending | 80% |
| Net Assets | $2.1M |
| Transparency Score | 85/100 |
Is The Cambodian Mutual Assistance Association Of Greater Lowell Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
The Cambodian Mutual Assistance Association Of Greater Lowell Inc directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About The Cambodian Mutual Assistance Association Of Greater Lowell Inc
The Cambodian Mutual Assistance Association Of Greater Lowell Inc (EIN: 222553560) is a nonprofit organization based in Lowell, MA, classified under NTEE code P840. The organization reported total revenue of $1.6M and total assets of $2.3M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of The Cambodian Mutual Assistance Association Of Greater Lowell Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is a mid-size nonprofit that has been operating for 40 years, with 12 years of IRS 990 filings on record (2012–2023). Revenue has grown at a compound annual rate of 9.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.5M |
| Total Expenses | $1.2M |
| Surplus / Deficit | +$322K |
| Total Assets | $2.3M |
| Total Liabilities | $155K |
| Net Assets | $2.1M |
| Operating Margin | 21.5% |
| Debt-to-Asset Ratio | 6.8% |
| Months of Reserves | 23.2 months |
Financial Health Grade: A
In 2023, The Cambodian Mutual Assistance Association Of Greater Lowell Inc reported a surplus of $322K with revenue exceeding expenses, holds 23.2 months of operating reserves (strong position), has a debt-to-asset ratio of 6.8% (very low leverage).
Financial Trends
Over 12 years of filings (2012–2023), The Cambodian Mutual Assistance Association Of Greater Lowell Inc's revenue has grown at a compound annual growth rate (CAGR) of 9.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +45.6% | -7.4% | +16.5% |
| 2022 | -24.1% | +22.0% | -4.9% |
| 2021 | +51.1% | +60.4% | +18.0% |
| 2020 | +38.2% | +12.2% | +18.9% |
| 2019 | -12.5% | +13.2% | +4.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 2000 |
| IRS Ruling Date | 1986 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates The Cambodian Mutual Assistance Association Of Greater Lowell Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 80%
- fundraising: 10%
According to IRS 990 filings, The Cambodian Mutual Assistance Association Of Greater Lowell Inc allocates its expenses as follows: admin: 10%, programs: 80%, fundraising: 10%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $322K, with revenue exceeding expenses.
- Debt-to-asset ratio: 6.8%.
Executive Compensation Analysis
Executive compensation cannot be assessed from the provided data, as no specific figures for individual salaries are included in the financial filings.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of The Cambodian Mutual Assistance Association Of Greater Lowell Inc's IRS 990 filings:
- Lack of detailed breakdown for program expenses in the provided financial data.
- Limited information on governance and operational transparency beyond basic financial figures.
Strengths
The following positive indicators were identified for The Cambodian Mutual Assistance Association Of Greater Lowell Inc:
- Consistent revenue generation over several years, indicating stable operations.
- Healthy asset base relative to liabilities, suggesting financial stability.
- Positive net assets across all reported years.
Frequently Asked Questions about The Cambodian Mutual Assistance Association Of Greater Lowell Inc
Is The Cambodian Mutual Assistance Association Of Greater Lowell Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, The Cambodian Mutual Assistance Association Of Greater Lowell Inc (EIN: 222553560) some concerns. Mission Score: 85/100. 2 red flags identified, 3 strengths noted.
How does The Cambodian Mutual Assistance Association Of Greater Lowell Inc spend its money?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc directs 80% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to The Cambodian Mutual Assistance Association Of Greater Lowell Inc tax-deductible?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is registered as a tax-exempt nonprofit (EIN: 222553560). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of The Cambodian Mutual Assistance Association Of Greater Lowell Inc's spending goes to programs?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc directs 80% to programs, 10% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does The Cambodian Mutual Assistance Association Of Greater Lowell Inc compare to similar nonprofits?
With a transparency score of 85/100 (Excellent), The Cambodian Mutual Assistance Association Of Greater Lowell Inc is above average for NTEE category P840 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is The Cambodian Mutual Assistance Association Of Greater Lowell Inc located?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is headquartered in Lowell, Massachusetts and files with the IRS under EIN 222553560. It is classified under NTEE code P840.
How many years of IRS 990 filings does The Cambodian Mutual Assistance Association Of Greater Lowell Inc have?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc has 12 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $1.6M in total revenue.
What does The Cambodian Mutual Assistance Association Of Greater Lowell Inc do?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is a nonprofit organization in the Human Services sector, located in Lowell, Massachusetts. It is classified under NTEE code P840.
How much revenue does The Cambodian Mutual Assistance Association Of Greater Lowell Inc have?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc reported total revenue of $1,558,545. Based on 12 IRS 990 filings on record.
What are The Cambodian Mutual Assistance Association Of Greater Lowell Inc's total assets?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc holds total assets of $2,308,614 as reported in IRS 990 filings.
Where is The Cambodian Mutual Assistance Association Of Greater Lowell Inc located?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is based in Lowell, Massachusetts.
What is The Cambodian Mutual Assistance Association Of Greater Lowell Inc's EIN?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc's Employer Identification Number (EIN) is 222553560. This is the unique tax ID assigned by the IRS for tax-exempt organizations.
What type of nonprofit is The Cambodian Mutual Assistance Association Of Greater Lowell Inc?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc is classified under NTEE code P840 (Human Services).
Is The Cambodian Mutual Assistance Association Of Greater Lowell Inc a registered 501(c)(3)?
Yes, The Cambodian Mutual Assistance Association Of Greater Lowell Inc is recognized as a tax-exempt organization by the IRS. EIN: 222553560.
Does The Cambodian Mutual Assistance Association Of Greater Lowell Inc file IRS Form 990?
Yes, The Cambodian Mutual Assistance Association Of Greater Lowell Inc has 12 IRS Form 990 filings on record. The most recent covers tax period 202306.
What was The Cambodian Mutual Assistance Association Of Greater Lowell Inc's revenue in 2023?
In the 202306 filing period, The Cambodian Mutual Assistance Association Of Greater Lowell Inc reported total revenue of $1,499,677, total expenses of $1,177,491, and net assets of $2,274,927.
Is The Cambodian Mutual Assistance Association Of Greater Lowell Inc's revenue growing or declining?
The Cambodian Mutual Assistance Association Of Greater Lowell Inc's revenue is growing. Revenue went from $1,030,017 (202206) to $1,499,677 (202306), a +45.6% change. Based on 12 filings on record.
What is The Cambodian Mutual Assistance Association Of Greater Lowell Inc's most recent 990 filing?
The most recent IRS Form 990 filing for The Cambodian Mutual Assistance Association Of Greater Lowell Inc covers tax period 202306. It shows revenue of $1,499,677, expenses of $1,177,491, total assets of $2,274,927, and liabilities of $155,449.
How much does The Cambodian Mutual Assistance Association Of Greater Lowell Inc spend on programs vs administration?
Based on IRS 990 analysis, The Cambodian Mutual Assistance Association Of Greater Lowell Inc allocates approximately 80% of expenses to program services, 10% to administrative costs, and 10% to fundraising. This indicates strong program focus.
Is The Cambodian Mutual Assistance Association Of Greater Lowell Inc a trustworthy charity?
Based on AI analysis of IRS 990 data, The Cambodian Mutual Assistance Association Of Greater Lowell Inc appears trustworthy. Mission Score: 85/100 (Excellent). 2 red flags identified. 3 strengths noted.
What are the red flags for The Cambodian Mutual Assistance Association Of Greater Lowell Inc?
The following concerns were identified: Lack of detailed breakdown for program expenses in the provided financial data.. Limited information on governance and operational transparency beyond basic financial figures.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.
What are The Cambodian Mutual Assistance Association Of Greater Lowell Inc's strengths?
Positive indicators for The Cambodian Mutual Assistance Association Of Greater Lowell Inc include: Consistent revenue generation over several years, indicating stable operations.. Healthy asset base relative to liabilities, suggesting financial stability.. Positive net assets across all reported years.. These findings are derived from AI analysis of the organization's financial filings.
How does The Cambodian Mutual Assistance Association Of Greater Lowell Inc compensate executives?
Executive compensation cannot be assessed from the provided data, as no specific figures for individual salaries are included in the financial filings. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.
How does the organization's program spending compare to similar nonprofits in the Lowell, MA area?
Without a detailed breakdown of program expenses and a comparative analysis of other nonprofits in the Lowell, MA area, a precise comparison is not possible from the provided data. However, an estimated 80% program spending is generally considered strong.
What specific programs or initiatives are driving the organization's revenue growth in recent years?
The provided data only shows aggregate revenue figures. To understand the drivers of revenue growth, a review of the organization's annual reports, program descriptions, and funding sources would be necessary.
Filing History
IRS 990 filing history for The Cambodian Mutual Assistance Association Of Greater Lowell Inc showing financial trends over 12 years of public records:
Over 12 years of IRS 990 filings (2012–2023), The Cambodian Mutual Assistance Association Of Greater Lowell Inc's revenue has grown by 179.6%, moving from $536K to $1.5M. Total assets increased by 103.8% over the same period, from $1.1M to $2.3M. Total functional expenses rose by 94.4%, from $606K to $1.2M. In its most recent filing year (2023), The Cambodian Mutual Assistance Association Of Greater Lowell Inc reported a surplus of $322K, with revenue exceeding expenses. The organization holds $155K in liabilities against $2.3M in assets (debt-to-asset ratio: 6.8%), resulting in net assets of $2.1M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $1.5M | $1.2M | $2.3M | $155K | — | View 990 |
| 2022 | $1.0M | $1.3M | $2.0M | $162K | — | View 990 |
| 2021 | $1.4M | $1.0M | $2.1M | $178K | — | View 990 |
| 2020 | $898K | $650K | $1.7M | $195K | — | View 990 |
| 2019 | $650K | $579K | $1.5M | $170K | — | View 990 |
| 2018 | $743K | $512K | $1.4M | $172K | — | View 990 |
| 2017 | $494K | $474K | $1.2M | $180K | — | View 990 |
| 2016 | $392K | $378K | $1.2M | $187K | — | View 990 |
| 2015 | $377K | $344K | $1.2M | $196K | — | View 990 |
| 2014 | $404K | $376K | $1.1M | $197K | — | View 990 |
| 2013 | $314K | $465K | $1.1M | $204K | — | View 990 |
| 2012 | $536K | $606K | $1.1M | $67K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $1.5M, expenses of $1.2M, and assets of $2.3M (revenue +45.6% year-over-year).
- 2022: Revenue of $1.0M, expenses of $1.3M, and assets of $2.0M (revenue -24.1% year-over-year).
- 2021: Revenue of $1.4M, expenses of $1.0M, and assets of $2.1M (revenue +51.1% year-over-year).
- 2020: Revenue of $898K, expenses of $650K, and assets of $1.7M (revenue +38.2% year-over-year).
- 2019: Revenue of $650K, expenses of $579K, and assets of $1.5M (revenue -12.5% year-over-year).
- 2018: Revenue of $743K, expenses of $512K, and assets of $1.4M (revenue +50.5% year-over-year).
- 2017: Revenue of $494K, expenses of $474K, and assets of $1.2M (revenue +26.0% year-over-year).
- 2016: Revenue of $392K, expenses of $378K, and assets of $1.2M (revenue +4.0% year-over-year).
- 2015: Revenue of $377K, expenses of $344K, and assets of $1.2M (revenue -6.8% year-over-year).
- 2014: Revenue of $404K, expenses of $376K, and assets of $1.1M (revenue +28.5% year-over-year).
- 2013: Revenue of $314K, expenses of $465K, and assets of $1.1M (revenue -41.4% year-over-year).
- 2012: Revenue of $536K, expenses of $606K, and assets of $1.1M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for The Cambodian Mutual Assistance Association Of Greater Lowell Inc:
Data Sources and Methodology
This transparency report for The Cambodian Mutual Assistance Association Of Greater Lowell Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.