Catholic Association of Foresters (EIN 041589950) - 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

1900

Legal Domicile

Principal Officer

Christine Cunningham

Phone

8002822263

Tax Period

2025-01-01 to 2025-12-31

Catholic Association of Foresters, founded in 1900, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $453K, a strong 41% operating margin.

Mission

Established for promotion of unity charity among its members and provide life health disability insurance protection to its members

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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 $1,041

Program Service Revenue $113,474

Investment Income $978,737

Other Revenue $0

TOTAL REVENUE $1,093,252

Expense Breakdown

Grants Paid $5,867

Salaries & Benefits $236,515

Fundraising Expenses $0

Program Expenses $281,505

Other Expenses $120,874

TOTAL EXPENSES $640,019

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,093,252	$778,980	+0.4%
Expenses	$640,019	$720,232	-0.1%
Net Income	$453,233	$58,748	+6.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE CUNNINGHAM	High Sec Treas	37.50	Highest	$112,628	$0	$112,628
JULIA CLARKE	Investment Board Chair	1.00	Director	$0	$0	$0
MICHAEL KEENAN	Investment Board	1.00	Director	$0	$0	$0
CAROLINE TURNER	Invmnt Board JHCR	1.00	Director	$0	$0	$0
CHARLES RYAN	High Chief Ranger	1.00	Director	$0	$0	$0
DONNA MIRABILIO	High VCR	1.00	Director	$0	$0	$0
KATHLEEN HOURIHAN	High Conductor	1.00	Director	$0	$0	$0
MADELINE MCGINTY	High Inside Sentinel	1.00	Director	$0	$0	$0
JEAN SMALL	High Outside Sentinel	1.00	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	$1,093,252	$640,019	$12,479,511	$453,233
2024	$778,980	$720,232	$12,148,047	$58,748
2023	$829,234	$500,821	$12,145,558	$328,413
2022	$558,623	$710,582	$11,933,169	$-151,959
2021	$1,060,424	$753,545	$12,126,017	$306,879
2020	$205,140	$742,516	$11,835,633	$-537,376
2019	$763,099	$836,875	$12,432,835	$-73,776

Catholic Association of Foresters