WINTHROP LODGE OF ELKS #1078 (EIN 041079740) - 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

1908

Legal Domicile

Principal Officer

MICHAEL FULLER

Phone

6172071680

Tax Period

2024-04-01 to 2025-03-31

WINTHROP LODGE OF ELKS #1078, founded in 1908, is a small nonprofit that reported $643K in total revenue in fiscal year 2024. Expenses of $782K exceeded revenue, resulting in a 22% operating deficit.

Mission

PROVIDE MEMBER SERVICES AND CHARITABLE ACTIVITIES TO THE LOCAL 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 (2024)

Revenue Breakdown

Contributions & Grants $126,360

Program Service Revenue $85,743

Investment Income $32,530

Other Revenue $398,494

TOTAL REVENUE $643,127

Expense Breakdown

Grants Paid $0

Salaries & Benefits $171,058

Fundraising Expenses $0

Other Expenses $611,408

TOTAL EXPENSES $782,466

Year-over-Year Comparison

	2024	2023	Change
Revenue	$643,127	$605,234	+0.1%
Expenses	$782,466	$798,542	0.0%
Net Income	$-139,339	$-193,308	-0.3%

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

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

$23,750

Total Directors

$36,945

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL P BERGERON	DIRECTOR	5.00	Director	$13,195	$0	$13,195
MICHAEL FULLER	PRESIDENT	10.00	Officer Director	$0	$0	$0
ROBERTA DALY	TREASURER	10.00	Officer Director	$15,000	$0	$15,000
BETTIE DALTON	SECRETARY	10.00	Officer Director	$8,750	$0	$8,750
STEVEN BELMONTE	DIRECTOR	5.00	Director	$0	$0	$0
FRED CATALDO	DIRECTOR	5.00	Director	$0	$0	$0
DENNIS BOUDROW	DIRECTOR	5.00	Director	$0	$0	$0
MICHAEL WESTCOTT	DIRECTOR	5.00	Director	$0	$0	$0
WILLIAM GARDNER	DIRECTOR	5.00	Director	$0	$0	$0
GEORGE LESCAY	DIRECTOR	5.00	Director	$0	$0	$0
MICHAEL MAIO	DIRECTOR	5.00	Director	$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
2025	$643,127	$782,466	$1,188,015	$-139,339
2024	$605,234	$798,542	$1,290,368	$-193,308
2023	$614,125	$741,711	$1,428,386	$-127,586
2022	$455,434	$555,114	$1,372,503	$-99,680
2021	$297,210	$579,652	$1,580,421	$-282,442
2020	$703,681	$778,596	$1,788,222	$-74,915
2019	$712,685	$786,949	$1,934,765	$-74,264

WINTHROP LODGE OF ELKS #1078