WoodmenLife Chapter 406 Panama City (EIN 237630720) - 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

1901

Legal Domicile

Principal Officer

Jonathan Bowman

Phone

8507699212

Tax Period

2024-01-01 to 2024-12-31

WoodmenLife Chapter 406 Panama City, founded in 1901, is a micro nonprofit that reported $45K in total revenue in fiscal year 2024. Expenses of $92K exceeded revenue, resulting in a 106% operating deficit.

Mission

Provide financial and outreach assistance to our members, community, and victims of natural disasters. All while contributing to local schools, servicemen, aide and non for profit groups. Along with flag and flag pole

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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 $38,447

Program Service Revenue $0

Investment Income $6,108

Other Revenue $0

TOTAL REVENUE $44,555

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $91,727

TOTAL EXPENSES $91,727

Year-over-Year Comparison

	2024	2023	Change
Revenue	$44,555	$44,277	+0.0%
Expenses	$91,727	$116,580	-0.2%
Net Income	$-47,172	$-72,303	-0.3%

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
Ray Grainger	Auditor	000.50	Director	$0	$0	$0
Caroline Mayers	Auditor	000.50	Director	$0	$0	$0
Jonathan Bowman	VP	000.50	Officer	$0	$0	$0
Robyn Marshall	Treasurer	000.50	Officer	$0	$0	$0
Grace Brown	Pres	000.50	Officer	$0	$0	$0
Peggy Maters	Secretary	000.50	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
2024	$44,555	$91,727	$265,397	$-47,172
2023	$44,277	$116,580	$312,569	$-72,303
2022	$37,434	$75,299	$384,872	$-37,865
2021	$36,676	$33,654	$422,737	$3,022
2020	$37,751	$32,217	$419,715	$5,534
2019	$379,346	$51,485	$414,181	$327,861

WoodmenLife Chapter 406 Panama City