Benevolent & Protective Order of Elks Lodge #165 (EIN 041079600) - 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

1909

Legal Domicile

Principal Officer

Joseph Michaud

Phone

9783727306

Tax Period

2022-04-01 to 2023-03-31

Benevolent & Protective Order of Elks Lodge #165, founded in 1909, is a small nonprofit that reported $154K in total revenue in fiscal year 2022. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $218K exceeded revenue, resulting in a 42% operating deficit.

Mission

To provide an environment for members to congregate while providing charitable benefits to the community.

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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 (2022)

Revenue Breakdown

Contributions & Grants $20,663

Program Service Revenue $0

Investment Income $1

Other Revenue $133,022

TOTAL REVENUE $153,686

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,165

Fundraising Expenses $0

Other Expenses $103,937

TOTAL EXPENSES $218,102

Year-over-Year Comparison

	2022	2021	Change
Revenue	$153,686	$215,513	-0.3%
Expenses	$218,102	$202,318	+0.1%
Net Income	$-64,416	$13,195	-5.9%

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

Volunteers

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

$5,000

Total Directors

$2,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tracey Ravgiala	Exhaulted Ruler	2.00	Officer Director	$0	$0	$0
Marcia Pappas	Leading Knight	2.00	Officer Director	$0	$0	$0
Elena York	Loyal Knight	2.00	Officer Director	$0	$0	$0
Sarah Belfoure	Lecturing Knight	2.00	Officer Director	$0	$0	$0
John McKenna	Secretary	2.00	Officer	$2,500	$0	$2,500
Robin Label	Treasurer	10.00	Officer	$0	$0	$0
Alice Russell	Esquire	10.00	Officer	$0	$0	$0
Kenneth Russell	Chaplain	2.00	Officer	$0	$0	$0
Cathy Williams	Inner Guard	2.00	Officer	$0	$0	$0
Joseph Michaud	Board of Trustees	2.00	Officer Director	$0	$0	$0
Frank Rosario	Board of Trustees	2.00	Officer Director	$0	$0	$0
Gary Belfoure	Board of Trustees	2.00	Officer Director	$0	$0	$0
Larry Granger	Board of Trustees	2.00	Officer Director	$0	$0	$0
Ernest Bostwick	Board of Trustees	2.00	Officer Director	$2,500	$0	$2,500

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
2023	$153,686	$218,102	$172,246	$-64,416
2022	$215,513	$202,318	$213,968	$13,195
2021	$81,741	$126,762	$224,551	$-45,021

Benevolent & Protective Order of Elks Lodge #165