Benevolent & Protective Order of Elks Chambersburg (EIN 230554276) - 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

1908

Legal Domicile

Principal Officer

SCOTT SZABO

Tax Period

2021-04-01 to 2022-03-31

Benevolent & Protective Order of Elks Chambersburg, founded in 1908, is a micro nonprofit that reported $517 in total revenue in fiscal year 2021. Revenue fell 81% from the prior year — a significant decline worth monitoring. Expenses of $1K exceeded revenue, resulting in a 155% operating deficit.

Mission

TO PROVIDE AN ORGANIZATION FOR FELLOWSHIP WITH OTHER INDIVIDUALS AND LEADERS IN THE COMMUNITY.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $517

TOTAL REVENUE $517

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,320

Other Expenses $1,320

TOTAL EXPENSES $1,320

Year-over-Year Comparison

	2021	2020	Change
Revenue	$517	$2,794	-0.8%
Expenses	$1,320	$11,335	-0.9%
Net Income	$-803	$-8,541	-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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN CUTLER	DIRECTOR	0.00	Director	$0	$0	$0
BARBARA PENNETT	DIRECTOR	0.00	Director	$0	$0	$0
JOHN WARDINSKI	DIRECTOR	0.00	Director	$0	$0	$0
DENNIS PENNETT	TRUSTEEVP & TREASURER	20.00	Officer Director	$0	$0	$0
MATTHEW SPEECE	PRESIDENT BOD	20.00	Officer Director	$0	$0	$0
SCOTT SZABO	EXALTED RULER	0.00	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
2022	$517	$1,320	$3,318	$-803
2021	$2,794	$11,335	$4,121	$-8,541
2020	$175,532	$111,337	$12,662	$64,195
2019	$43,879	$87,397	$143,768	$-43,518

Benevolent & Protective Order of Elks Chambersburg