VETERANS FOREIGN WARS UNITED STATES POST 3120 VFW-NY (EIN 237332260) - 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

1970

Legal Domicile

Principal Officer

TRACY LUTON

Phone

5183597107

Tax Period

2024-06-01 to 2025-05-31

VETERANS FOREIGN WARS UNITED STATES POST 3120 VFW-NY, founded in 1970, is a small nonprofit that reported $175K in total revenue in fiscal year 2024. Revenue fell 20% from the prior year — a significant decline worth monitoring.

Mission

PROVIDE SOCIAL AND RECREATIONAL ACTIVITIES FOR MEMBERS PARTICIPATING IN PATRIOTIC ACTIVITIES.

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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 $4,660

Program Service Revenue $0

Investment Income $0

Other Revenue $170,802

TOTAL REVENUE $175,462

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,061

Fundraising Expenses $0

Other Expenses $71,449

TOTAL EXPENSES $192,510

Year-over-Year Comparison

	2024	2023	Change
Revenue	$175,462	$220,705	-0.2%
Expenses	$192,510	$202,175	0.0%
Net Income	$-17,048	$18,530	-1.9%

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

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

$15,600

Total Directors

$15,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHIL SMITH	2ND YR TRUSTEE	1.00	Director	$15,600	$0	$15,600
TRACY LUTON	COMMANDER	10.00	Officer	$15,600	$0	$15,600
WESLEY HOYT	JR VICE &ADVOCATE	1.00	Officer	$0	$0	$0
JOHN ARSENAULT	3RD YR TRUSTEE	1.00	Director	$0	$0	$0
BILLY BRETON	CHAPLAIN	1.00	Director	$0	$0	$0
KIM KOPP	QUARTERMASTER/ADJ	1.00	Director	$0	$0	$0
JOHN GIROUARD	1ST YR TRUSTEE	1.00	Director	$0	$0	$0
STEVE CRATE	SURGEON	1.00	Director	$0	$0	$0
BRUCE COOK	OD	1.00	Director	$0	$0	$0
CHRIS WILMARTH	SENIOR VICE	1.00	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	$175,462	$192,510	$395,799	$-17,048
2024	$220,705	$202,175	$406,781	$18,530
2023	$179,129	$197,213	$319,303	$-18,084
2022	$207,615	$215,026	$333,972	$-7,411
2021	$127,847	$121,057	$324,812	$6,790
2020	$142,478	$142,316	$312,536	$162
2019	$137,463	$151,376	$302,511	$-13,913
2018	$137,215	$136,574	$312,514	$641

VETERANS FOREIGN WARS UNITED STATES POST 3120 VFW-NY