UNITED COMMERCIAL TRAVELERS OF AMERICA 67 PROVIDENCE COUNCIL (EIN 050263810) - 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

1930

Legal Domicile

Principal Officer

SANDRA LOBELLO

Phone

4019460067

Tax Period

2024-04-01 to 2025-03-31

UNITED COMMERCIAL TRAVELERS OF AMERICA 67 PROVIDENCE COUNCIL, founded in 1930, is a micro nonprofit that reported $45K in total revenue in fiscal year 2024. Expenses of $81K exceeded revenue, resulting in a 80% operating deficit.

Mission

NON-PROFIT FRATERNAL SOCIETY

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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 $45,000

Program Service Revenue $0

Investment Income $2

Other Revenue $0

TOTAL REVENUE $45,002

Expense Breakdown

Grants Paid $450

Salaries & Benefits $500

Fundraising Expenses $0

Program Expenses $80,786

Other Expenses $79,836

TOTAL EXPENSES $80,786

Year-over-Year Comparison

	2024	2023	Change
Revenue	$45,002	$46,059	0.0%
Expenses	$80,786	$43,860	+0.8%
Net Income	$-35,784	$2,199	-17.3%

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

N/A

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

$500

Total Directors

$500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNE NENCKA	PRESIDENT	4.00	Officer Director	$0	$0	$0
ANGELA GOFF	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SANDRA LOBELLO	SECRETARY/TREASURER	8.00	Officer Director	$500	$0	$500
CHARLES CAVALLARO SR	CONDUCTOR	1.00	Director	$0	$0	$0
HELEN AMATELLI	DIRECTOR	1.00	Director	$0	$0	$0
JOHN LOBELLO	DIRECTOR	1.00	Director	$0	$0	$0
JOYCE PELLETIER	DIRECTOR	1.00	Director	$0	$0	$0
ETHEL CAVALLARO	DIRECTOR	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	$45,002	$80,786	No data	$-35,784
2024	$46,059	$43,860	$35,784	$2,199
2023	$41,581	$42,975	$33,585	$-1,394
2022	$50,887	$39,805	$34,979	$11,082
2021	$26,967	$11,535	$23,897	$15,432
2020	$21,124	$54,639	$8,465	$-33,515
2019	$92,144	$74,269	$41,980	$17,875
2018	$84,430	$64,866	$24,105	$19,564

UNITED COMMERCIAL TRAVELERS OF AMERICA 67 PROVIDENCE COUNCIL