Concord Veterans of Foreign Wars (EIN 020212092) - 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

1929

Legal Domicile

Principal Officer

Mason DeFrancesco

Phone

6032288907

Tax Period

2025-01-01 to 2025-12-31

Concord Veterans of Foreign Wars, founded in 1929, is a small nonprofit that reported $148K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $165K exceeded revenue, resulting in a 12% operating deficit.

Mission

To provide support for qualified Veterans and their families and to encourage the formation of the Auxiliary Units and provide them with facilities for socials and functions.

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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 (2025)

Revenue Breakdown

Contributions & Grants $10,509

Program Service Revenue $0

Investment Income $4,757

Other Revenue $132,356

TOTAL REVENUE $147,622

Expense Breakdown

Grants Paid $0

Salaries & Benefits $63,176

Fundraising Expenses $0

Program Expenses $661

Other Expenses $101,619

TOTAL EXPENSES $164,795

Year-over-Year Comparison

	2025	2024	Change
Revenue	$147,622	$126,430	+0.2%
Expenses	$164,795	$116,710	+0.4%
Net Income	$-17,173	$9,720	-2.8%

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

360

Independent Members

360

Employees

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

$36,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mason DeFrancesco	Commander	3.00	Officer	$0	$0	$0
John Barrett	Senior Vice Commander	0.00	Officer	$0	$0	$0
Michael Cabral	Jr Vice Commander	0.00	Officer	$0	$0	$0
Paul Lloyd	Secretary Treasurer	25.00	Officer	$18,200	$0	$36,400

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

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$147,622	$164,795	$457,218	$-17,173
2024	$126,430	$116,710	$474,391	$9,720
2023	$214,471	$98,822	$464,671	$115,649
2022	$159,341	$81,325	$349,022	$78,016
2021	$165,425	$84,856	$271,006	$80,569

Concord Veterans of Foreign Wars