WATERVILLE LODGE #33 F & A M (EIN 010216811) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1904

Legal Domicile

Principal Officer

MARK THIBODEAU

Tax Period

2018-12-01 to 2019-11-30

WATERVILLE LODGE #33 F & A M, founded in 1904, is a micro nonprofit that reported $46K in total revenue in fiscal year 2018. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $51K exceeded revenue, resulting in a 12% operating deficit.

Mission

EDUCATIONAL AND CHARITABLE ACTIVITIES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $45,619

Investment Income $0

Other Revenue $0

TOTAL REVENUE $45,619

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $51,285

TOTAL EXPENSES $51,285

Year-over-Year Comparison

	2018	2017	Change
Revenue	$45,619	$108,246	-0.6%
Expenses	$51,285	$111,895	-0.5%
Net Income	$-5,666	$-3,649	+0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE RUEGER	WORSHIPFUL MASTER	001.00	Officer	$0	$0	$0
ANDREW GIROIX	SENIOR WARDEN	001.00	Officer	$0	$0	$0
CARL PARADIS	JUNIOR WARDEN	001.00	Officer	$0	$0	$0
JON HALLENBECK	SECRETARY	004.00	Officer	$0	$0	$0
MARK THIBODEAU	TREASURER	002.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2019	$45,619	$51,285	$972,004	$-5,666
2018	$108,246	$111,895	$992,166	$-3,649

WATERVILLE LODGE #33 F & A M