LANCASTER COMMERCIAL TRAVELERS ASSO (EIN 230784670) - 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

1994

Legal Domicile

Phone

7173937366

Tax Period

2025-01-01 to 2025-12-31

LANCASTER COMMERCIAL TRAVELERS ASSO, founded in 1994, is a small nonprofit that reported $255K in total revenue in fiscal year 2025. The organization ran a surplus of $55K, a strong 22% operating margin.

Mission

SOCIAL/FRATERNAL CLUB

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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 $3,205

Program Service Revenue $0

Investment Income $3,230

Other Revenue $248,750

TOTAL REVENUE $255,185

Expense Breakdown

Grants Paid $8,500

Salaries & Benefits $91,572

Fundraising Expenses $0

Program Expenses $200,277

Other Expenses $98,383

TOTAL EXPENSES $200,277

Year-over-Year Comparison

	2025	2024	Change
Revenue	$255,185	$252,976	+0.0%
Expenses	$200,277	$224,512	-0.1%
Net Income	$54,908	$28,464	+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

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
JASON FREY	TRUSTEE	2.00	Director	$0	$0	$0
WALT HARCLERODE	TRUSTEE	2.00	Director	$0	$0	$0
ED SUTTON	HOUSE COMM CHAIRMAN	2.00	Director	$0	$0	$0
BILL KIRCHNER	PRESIDENT	5.00	Officer	$0	$0	$0
MIKE MILLER	VICE PRESIDENT	3.00	Officer	$0	$0	$0
JAMES SLUPE	TREASURER	5.00	Officer	$0	$0	$0
CHARLES E DEXTER Jr	SECRETARY	3.00	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	$255,185	$200,277	$615,598	$54,908
2024	No data	No data	No data	No data
2023	$308,252	$231,886	$474,796	$76,366
2022	$278,971	$278,425	$509,455	$546
2021	$202,229	$172,946	$508,909	$29,283
2020	$75,756	$175,924	$482,072	$-100,168
2019	$133,775	$190,654	$574,842	$-56,879
2018	$199,555	$214,481	$620,586	$-14,926
2016	$253,499	$290,373	$669,095	$-36,874

LANCASTER COMMERCIAL TRAVELERS ASSO