Ludlow BPOE 2448

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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

1969

Legal Domicile

Principal Officer

Kenneth Charest

Phone

4135832448

Tax Period

2024-04-01 to 2025-03-31

Ludlow BPOE 2448, founded in 1969, is a small nonprofit that reported $187K in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. Expenses of $167K left a modest 11% surplus.

Mission

To provide aid to youth, veterans, and local communities.

Program Service Accomplishments

Program 1

Expenses: $154,315

Fraternal organization organized to help local community projects, to assist wherever possible and to encourage good fellowship.

Program 2

Expenses: $12,555

The organization donates to other charities in 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 (2024)

Revenue Breakdown

Contributions & Grants $42,374

Program Service Revenue $0

Investment Income $5

Other Revenue $145,094

TOTAL REVENUE $187,473

Expense Breakdown

Grants Paid $0

Salaries & Benefits $28,609

Fundraising Expenses $0

Program Expenses $166,870

Other Expenses $138,261

TOTAL EXPENSES $166,870

Year-over-Year Comparison

	2024	2023	Change
Revenue	$187,473	$197,887	-0.1%
Expenses	$166,870	$172,665	0.0%
Net Income	$20,603	$25,222	-0.2%

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

$8,800

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kenneth Charest	Secretary	10.00	Officer	$4,400	$0	$4,400
Kenneth Rickson	Treasurer	10.00	Officer	$4,400	$0	$4,400
Paul Jacques	Exalted Ruler	10.00	Officer Director	$0	$0	$0
John Charest	Leading Knight	10.00	Officer Director	$0	$0	$0
Lydia Chagnon	Lecturing Knight	10.00	Officer Director	$0	$0	$0
Robert Choinere	Loyal Knight	10.00	Officer Director	$0	$0	$0
Peter Haggins	Trustee	5.00	Officer Director	$0	$0	$0
Dena Rickson	Trustee	5.00	Officer Director	$0	$0	$0
Katherine Krisak	Trustee	5.00	Officer Director	$0	$0	$0
Eric Hart	Trustee	5.00	Officer Director	$0	$0	$0
Joyce Grabon	Trustee	5.00	Officer 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
2026	No data	No data	No data	No data
2025	$187,473	$166,870	$180,537	$20,603
2024	$197,887	$172,665	$167,285	$25,222
2023	$168,583	$151,166	$141,445	$17,417
2022	$188,331	$165,416	$124,314	$22,915
2021	$76,942	$94,304	$111,173	$-17,362