RIVERHEAD LODGE # 645 F & AM (EIN 116015056) - 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

1931

Legal Domicile

Principal Officer

PETER PSYLLOS

Phone

6316960355

Tax Period

2025-01-01 to 2025-12-31

RIVERHEAD LODGE # 645 F & AM, founded in 1931, is a small nonprofit that reported $151K in total revenue in fiscal year 2025. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $58K, a strong 38% operating margin.

Mission

FRATERNAL ORGANIZATION

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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 $7,450

Program Service Revenue $0

Investment Income $143,892

Other Revenue $0

TOTAL REVENUE $151,342

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $93,193

Other Expenses $93,193

TOTAL EXPENSES $93,193

Year-over-Year Comparison

	2025	2024	Change
Revenue	$151,342	$106,060	+0.4%
Expenses	$93,193	$62,179	+0.5%
Net Income	$58,149	$43,881	+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

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
PETER PSYLLOS	MASTER	15.00	Officer Director	$0	$0	$0
DOMINICK PEPPACENO Jr	SENIOR WARDEN	15.00	Officer Director	$0	$0	$0
JAMES GIEGER	SECRETARY	15.00	Officer Director	$0	$0	$0
CHARLES J MONTE	TREASURER	15.00	Officer Director	$0	$0	$0
DOMINICK PEPPACENO Sr	JUNIOR WARDEN	15.00	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	$151,342	$93,193	$2,770,172	$58,149
2024	$106,060	$62,179	$2,017,078	$43,881
2023	$60,175	$72,594	$1,973,197	$-12,419
2022	$112,330	$68,643	$1,985,616	$43,687
2021	$101,738	$60,281	$1,941,929	$41,457
2020	$-12,014	$53,306	$1,900,472	$-65,320
2019	$105,995	$81,318	$1,965,792	$24,677
2018	$74,313	$58,681	$1,941,115	$15,632

RIVERHEAD LODGE # 645 F & AM