BENEVOLENT & PROTECTIVE ORDER ELKS OF 0645 BPOE (EIN 140976383) - 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

1900

Legal Domicile

Principal Officer

DEBORAH RUTT

Phone

8458567100

Tax Period

2024-04-01 to 2025-03-31

BENEVOLENT & PROTECTIVE ORDER ELKS OF 0645 BPOE, founded in 1900, is a small nonprofit that reported $268K in total revenue in fiscal year 2024. Expenses of $251K left a modest 6% surplus.

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 (2024)

Revenue Breakdown

Contributions & Grants $77,192

Program Service Revenue $0

Investment Income $33

Other Revenue $190,656

TOTAL REVENUE $267,881

Expense Breakdown

Grants Paid $0

Salaries & Benefits $77,432

Fundraising Expenses $0

Other Expenses $173,113

TOTAL EXPENSES $250,545

Year-over-Year Comparison

	2024	2023	Change
Revenue	$267,881	$252,255	+0.1%
Expenses	$250,545	$259,535	0.0%
Net Income	$17,336	$-7,280	-3.4%

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

$12,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER HUGHES	SECRETARY	10.00	Officer	$6,000	$0	$6,000
DEBORAH RUTT	TREASURER	10.00	Officer	$6,000	$0	$6,000
CATHY BUTLER	TRUSTEE	N/A	Director	$0	$0	$0
CLARICE DILLON	TRUSTEE	N/A	Director	$0	$0	$0
JAMIE EVERETT	TRUSTEE	N/A	Director	$0	$0	$0
DAVID KRUPUNICH	TRUSTEE	N/A	Director	$0	$0	$0
LISA RANDAZZO	TRUSTEE	N/A	Director	$0	$0	$0
TINA EVERETTE	LEADING KNIG	N/A	Officer	$0	$0	$0
ROBERT GARDNER	LECTURING KN	N/A	Officer	$0	$0	$0
LYNN PAGANO	INNER GUARD	N/A	Officer	$0	$0	$0
DARLA SCHIELDS	TILER	N/A	Officer	$0	$0	$0
MICHAEL WITT	LOYAL KNIGHT	N/A	Officer	$0	$0	$0
EDWINA WULFF	EXALTED RULE	N/A	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	$267,881	$250,545	$441,959	$17,336
2024	$252,255	$259,535	$435,823	$-7,280
2023	$276,676	$226,815	$441,491	$49,861
2022	$215,555	$161,417	$399,999	$54,138
2021	$193,737	$135,050	$344,552	$58,687
2020	$215,360	$194,922	$281,711	$20,438
2019	$182,848	$191,349	$261,681	$-8,501

BENEVOLENT & PROTECTIVE ORDER ELKS OF 0645 BPOE