SARATOGA - WILTON BPOE #161 (EIN 140499789) - 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

1902

Legal Domicile

Principal Officer

GERALDINE CONBOY

Phone

5185842585

Tax Period

2024-04-01 to 2025-03-31

SARATOGA - WILTON BPOE #161, founded in 1902, is a small nonprofit that reported $178K in total revenue in fiscal year 2024. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $220K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE THE WELFARE AND ENHANCE THE HAPPINESS OF ITS MEMBERS; TO QUICKEN THE SPORIT OF AMERICAN PATRIOTISM; TO CULTIVATE GOOD FELLOWSHIP; TO PERPETUATE ITSELF AS A FRATERNAL ORGANIZATION, AND TO PROVIDE FOR ITS

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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 $69,097

Program Service Revenue $0

Investment Income $3,984

Other Revenue $104,766

TOTAL REVENUE $177,847

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,137

Fundraising Expenses $0

Other Expenses $199,899

TOTAL EXPENSES $220,036

Year-over-Year Comparison

	2024	2023	Change
Revenue	$177,847	$252,379	-0.3%
Expenses	$220,036	$262,673	-0.2%
Net Income	$-42,189	$-10,294	+3.1%

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

$2,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY JACKSON	EXALTED RULER	15.00	Officer Director	$0	$0	$0
MIRANDA LOACHAMIN	LOYAL KNIGHT	15.00	Officer Director	$0	$0	$0
PATRICIA GROSS	LEADING KNIGHT	15.00	Officer Director	$0	$0	$0
ERWIN DOMINGUEZ	LECTURING KNIGHT	15.00	Officer Director	$0	$0	$0
ROBERT LOUNSBURY PER	TREASURER	10.00	Officer	$2,400	$0	$2,400
GERRY KETCHAM	TILER	2.00	Officer	$0	$0	$0
MARGE LEABOURNE	INNER GUARD	2.00	Officer	$0	$0	$0
JEAN BRUNELLE	CHAPLAIN	2.00	Officer	$0	$0	$0
STEVE DORSEY PDD	ESQUIRE	2.00	Officer	$0	$0	$0
THOMAS CURLEY	TRUSTEE	5.00	Officer Director	$0	$0	$0
MICHAEL CUMMINGS PDD	TRUSTEE	5.00	Officer Director	$0	$0	$0
LESTER COLE	TRUSTEE	5.00	Officer Director	$0	$0	$0
GERRY CONBOY	TRUSTEE	5.00	Officer Director	$0	$0	$0
JOHN SHAW	TRUSTEE	5.00	Officer Director	$0	$0	$0
BARBARA ASH	SECRETARY	5.00	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	$177,847	$220,036	$691,197	$-42,189
2024	$252,379	$262,673	$732,073	$-10,294
2023	$203,184	$235,291	$761,298	$-32,107
2022	$174,785	$250,953	$818,317	$-76,168
2021	$207,729	$194,042	$804,155	$13,687
2020	$165,451	$200,072	$827,096	$-34,621
2019	$216,349	$218,545	$836,693	$-2,196

SARATOGA - WILTON BPOE #161