St Joseph Benevolent Polish Soc-Lodge664 (EIN 250772700) - 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

1922

Legal Domicile

Principal Officer

David Sinclair

Phone

7245753247

Tax Period

2020-01-01 to 2020-12-31

St Joseph Benevolent Polish Soc-Lodge664, founded in 1922, is a small nonprofit that reported $137K in total revenue in fiscal year 2020. Revenue fell 45% from the prior year — a significant decline worth monitoring. Net assets of $358K represent 31 months of operating reserves.

Mission

Primary purpose is to serve the membership via social and cultural activities and to provide access to group insurance and annuity products

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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 (2020)

Revenue Breakdown

Contributions & Grants $25,492

Program Service Revenue $0

Investment Income $14

Other Revenue $111,548

TOTAL REVENUE $137,054

Expense Breakdown

Grants Paid $13,575

Salaries & Benefits $51,735

Fundraising Expenses $0

Other Expenses $81,183

TOTAL EXPENSES $146,905

Year-over-Year Comparison

	2020	2019	Change
Revenue	$137,054	$247,224	-0.4%
Expenses	$146,905	$169,406	-0.1%
Net Income	$-9,851	$77,818	-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

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

$3,600

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michelle Benner	Secretary	8.00	Director	$600	$0	$600
Luke Baverso	Vice President	4.00	Director	$600	$0	$600
Dave Thompson	Treasurer	4.00	Director	$600	$0	$600
Dale Myers	Secretary	8.00	Director	$600	$0	$600
Terry Davies	Trustee	8.00	Director	$600	$0	$600
James Sinclair	President	8.00	Director	$600	$0	$600

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
2020	$137,054	$146,905	$360,180	$-9,851
2018	$193,170	$136,154	$364,270	$57,016

St Joseph Benevolent Polish Soc-Lodge664