FIRST WINDISH FRATERNAL BENEFIT SOCIETY (EIN 240579422) - 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

1912

Legal Domicile

Principal Officer

PAUL HARAK

Phone

6108677822

Tax Period

2025-01-01 to 2025-12-31

FIRST WINDISH FRATERNAL BENEFIT SOCIETY, founded in 1912, is a small nonprofit that reported $274K in total revenue in fiscal year 2025. The organization ran a surplus of $44K, a strong 16% operating margin.

Mission

PROVIDE MEMBERS WITH A SOURCE TO OBTAIN LIFE INSURANCE AND MORTGAGES ALONG WITH THE OPPORTUNITY TO EXPLORE COMMON HERITAGE, ANCESTRY AND CUSTOMS IN A SOCIAL SETTING.

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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 $18,513

Investment Income $244,794

Other Revenue $10,484

TOTAL REVENUE $273,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,182

Fundraising Expenses $0

Other Expenses $96,773

TOTAL EXPENSES $229,433

Year-over-Year Comparison

	2025	2024	Change
Revenue	$273,791	$263,063	+0.0%
Expenses	$229,433	$274,803	-0.2%
Net Income	$44,358	$-11,740	-4.8%

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

$28,900

Total Directors

$15,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL HARAK	PRESIDENT	5.00	Officer	$10,500	$0	$10,500
ROBERT LIPSKY	VP / SECRETA	2.00	Officer	$9,200	$0	$9,200
JOEL SERFASS	CONTROLLER	5.00	Officer	$9,200	$0	$9,200
LAWRENCE BREINER	AUDITOR	1.00	Director	$4,800	$0	$4,800
DENNIS ARANYOS	DIRECTOR	1.00	Director	$2,200	$0	$2,200
MICHAEL DONCHEZ	DIRECTOR	1.00	Director	$2,200	$0	$2,200
RICHARD GERGAR	DIRECTOR	1.00	Director	$2,200	$0	$2,200
KEVIN HARWICK	DIRECTOR	1.00	Director	$2,200	$0	$2,200
MICHAEL MARTIN	DIRECTOR	1.00	Director	$2,200	$0	$2,200

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	$273,791	$229,433	$6,334,647	$44,358
2024	$263,063	$274,803	$6,297,779	$-11,740
2023	$238,668	$220,296	$6,293,220	$18,372
2022	$140,844	$249,618	$6,262,877	$-108,774
2021	$160,127	$219,968	$6,370,304	$-59,841
2020	$195,842	$249,034	$6,434,491	$-53,192

FIRST WINDISH FRATERNAL BENEFIT SOCIETY