Oil City Lodge No 78 Loyal order (EIN 250628920) - 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

1990

Legal Domicile

Principal Officer

Robert L Kaminske

Phone

8146761317

Tax Period

2024-05-01 to 2025-04-30

Oil City Lodge No 78 Loyal order, founded in 1990, is a small nonprofit that reported $364K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $564K exceeded revenue, resulting in a 55% operating deficit.

Mission

The Organiztion unites its member in the bonds of fraternity, benevolence and charity. This is accomplished through a year round schedule of social and recreational activities for its members and member famillies.

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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 $21,220

Program Service Revenue $11,139

Investment Income $1,478

Other Revenue $330,246

TOTAL REVENUE $364,083

Expense Breakdown

Grants Paid $0

Salaries & Benefits $314,989

Fundraising Expenses $0

Other Expenses $249,292

TOTAL EXPENSES $564,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$364,083	$298,479	+0.2%
Expenses	$564,281	$27,607	+19.4%
Net Income	$-200,198	$270,872	-1.7%

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

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

$30

Total Directors

$30

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Robert L Kaminske	Secretary	20.00	Officer Director	$30	$0	$30
Steven G McNaughton	President	0.00	Officer Director	$0	$0	$0
Matthew Gonzalez	Vice President	0.00	Director	$0	$0	$0
Kenneth Bigelow	Treasurer	0.00	Director	$0	$0	$0
Edward Coon	President	0.00	Director	$0	$0	$0
Pansy McNaughton	Chairman	0.00	Director	$0	$0	$0
Thomas Smith	Trustee	0.00	Director	$0	$0	$0
Tina M Myers	Trustee	0.00	Director	$0	$0	$0
Christian Kelley	Trustee	0.00	Director	$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	$364,083	$564,281	$1,079,546	$-200,198
2025	No data	No data	No data	No data
2023	$208,649	$434,780	$851,315	$-226,131
2022	$279,000	$235,106	$1,160,516	$43,894
2021	$429,384	$462,617	$1,125,182	$-33,233

Oil City Lodge No 78 Loyal order