WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY AKA 3-FL (EIN 237630701) - 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

1906

Legal Domicile

Principal Officer

LANDON C NEIL

Phone

9045053969

Tax Period

2025-01-01 to 2025-12-31

WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY AKA 3-FL, founded in 1906, is a micro nonprofit that reported $28K in total revenue in fiscal year 2025. Revenue fell 97% from the prior year — a significant decline worth monitoring. Expenses of $139K exceeded revenue, resulting in a 389% operating deficit.

Mission

WOODMEN LIFE UNITES HARDWORKING AMERICANS TO SECURE THEIR FINANCIAL FUTURE AND STRENGTHEN COMMUNITIES. WE ARE DRIVEN BY PASSION FOR OUR MEMBERS, SERVICE TO OTHERS, INCLUSION, COLLABORTION, AND OPEN-MINDEDNESS

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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 $0

Program Service Revenue $28,263

Investment Income $71

Other Revenue $0

TOTAL REVENUE $28,334

Expense Breakdown

Grants Paid $124,830

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $13,790

TOTAL EXPENSES $138,620

Year-over-Year Comparison

	2025	2024	Change
Revenue	$28,334	$952,022	-1.0%
Expenses	$138,620	$153,802	-0.1%
Net Income	$-110,286	$798,220	-1.1%

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

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
TERRI DUBOIS	VICE PRESIDE	N/A	Officer	$0	$0	$0
VIVIAN HOLLEY	AUDITOR	N/A	Officer	$0	$0	$0
MARTHA E JOHNSON	SECRETARY	N/A	Officer	$0	$0	$0
LANDON C NEIL	PRESIDENT	N/A	Officer	$0	$0	$0
RUTH K NEIL	TREASURER	N/A	Officer	$0	$0	$0
BARRY L STEWART	AUDITOR	N/A	Officer	$0	$0	$0
DONA G STEWART	PAST PRESIDE	N/A	Officer	$0	$0	$0
MARJORIE WRIGHT	AUDITOR	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	$28,334	$138,620	$952,394	$-110,286
2024	$952,022	$153,802	$1,062,680	$798,220

WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY AKA 3-FL