ANDOVER 1078 INC (EIN 046360797) - 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

1962

Legal Domicile

Principal Officer

Stephen Shepard

Phone

9784752747

Tax Period

2024-10-01 to 2025-09-30

ANDOVER 1078 INC, founded in 1962, is a micro nonprofit that reported $43K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $7K, a strong 17% operating margin.

Mission

KNIGHTS OF COLUMBUS IS A CATHOLIC FRATERNAL ORGANIZATION DEDICATED TO PROMOTING AND CONDUCTING EDUCATIONAL, CHARITABLE, RELIGIOUS AND SOCIAL WELFARE WORKS, RENDERING MUTUAL AID AND ASSISTANCE TO SICK AND NEEDY MEMBERS AND THEIR FAMILIES, AND PROVIDING INSURANCE PRODUCTS AND ANNUITIES TO BENEFIT MEMBERS, WIVES AND CHILDREN.

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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 $10,491

Program Service Revenue $32,804

Investment Income $0

Other Revenue $0

TOTAL REVENUE $43,295

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,063

Other Expenses $36,063

TOTAL EXPENSES $36,063

Year-over-Year Comparison

	2024	2023	Change
Revenue	$43,295	$49,245	-0.1%
Expenses	$36,063	N/A	N/A
Net Income	$7,232	$49,245	-0.9%

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

N/A

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
Paul Kelly	President	1.00	Officer	$0	$0	$0
Stephen Shepard	Treasurer	0.25	Officer	$0	$0	$0
James Keleher	Clerk	0.25	Officer	$0	$0	$0
Armond Colombo	Vice President	0.25	Officer	$0	$0	$0
Chuck Lane	Board Member	0.25	Officer	$0	$0	$0
John Armano	Board Member	0.25	Officer	$0	$0	$0
Mike Toth	Board Member	0.25	Officer	$0	$0	$0
Joe Ponti	Board Member	0.25	Officer	$0	$0	$0
Ryan Foley	Board Member	0.25	Officer	$0	$0	$0
Sam Raimi	Board Member	0.25	Officer	$0	$0	$0
John Decourcy	Board Member	0.25	Officer	$0	$0	$0
Tyler Bishop	Board Member	0.25	Officer	$0	$0	$0
James Hauer	Board Member	0.25	Officer	$0	$0	$0
Philip D'Agati	Board Member	0.25	Officer	$0	$0	$0
Ed Sullivan	Board Member	0.25	Officer	$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	$43,295	$36,063	$521,267	$7,232

ANDOVER 1078 INC