American Legion Home Association of Loretto PA (EIN 250948314) - 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

1948

Legal Domicile

Principal Officer

Terry Krug

Tax Period

2023-01-01 to 2023-12-31

American Legion Home Association of Loretto PA, founded in 1948, is a small nonprofit that reported $309K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $47K, a strong 15% operating margin.

Mission

To promote Americanism and conduct patriotic functions

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,910

Investment Income $1,583

Other Revenue $305,818

TOTAL REVENUE $309,311

Expense Breakdown

Grants Paid $0

Salaries & Benefits $116,034

Fundraising Expenses $0

Program Expenses $262,090

Other Expenses $146,056

TOTAL EXPENSES $262,090

Year-over-Year Comparison

	2023	2022	Change
Revenue	$309,311	$275,990	+0.1%
Expenses	$262,090	$223,707	+0.2%
Net Income	$47,221	$52,283	-0.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Richard M Hershel	DirectorCommander	Director	$0	$0	$0
Dewey F Biller	Director	Director	$0	$0	$0
Donald F Oravecz	Director	Director	$0	$0	$0
Roger L Harrington	Director	Director	$0	$0	$0
Terry ONeill	Vice President	Officer Director	$0	$0	$0
Terry Krug	President	Officer Director	$0	$0	$0
Gerald T Wills	Secretary	Officer Director	$0	$0	$0
Anthony J Biller	Treasurer	Officer 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
2024	No data	No data	No data	No data
2023	$309,311	$262,090	$214,406	$47,221
2022	$275,990	$223,707	$167,162	$52,283
2021	$255,536	$229,689	$114,892	$25,847
2020	$125,984	$165,214	$89,014	$-39,230
2019	$235,248	$187,501	$114,706	$47,747
2018	$186,337	$196,554	$66,947	$-10,217

American Legion Home Association of Loretto PA