CROATIAN SONS LODGE # 170 INC

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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

1907

Legal Domicile

Principal Officer

BRANDON PORTER

Phone

2192012870

Tax Period

2021-01-01 to 2021-12-31

CROATIAN SONS LODGE # 170 INC, founded in 1907, is a micro nonprofit in the Mutual Benefit sector that reported $43K in total revenue in fiscal year 2021. Revenue surged 71% from the prior year, signaling strong growth momentum. Expenses of $52K exceeded revenue, resulting in a 20% operating deficit.

Mission

PROMOTES UNITY AND CULTURAL EDUCATION AS WELL AS PROVIDING DEATH, ACCIDENT, ENDOWMENT AND SICKNESS BENEFITS TO MEMBERS.

Program Service Accomplishments

Program 1

PROMOTE UNITY AND CULTURAL EDUCATION AS WELL AS PROVIDING DEATH, ACCIDENT, ENDOWMENT AND SICKNESS BENEFITS TO MEMBERS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $5,074

Program Service Revenue $0

Investment Income $16,822

Other Revenue $21,258

TOTAL REVENUE $43,154

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,385

Fundraising Expenses $0

Other Expenses $30,515

TOTAL EXPENSES $51,900

Year-over-Year Comparison

	2021	2020	Change
Revenue	$43,154	$25,274	+0.7%
Expenses	$51,900	$91,173	-0.4%
Net Income	$-8,746	$-65,899	-0.9%

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

215

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

$11,990

Total Directors

$19,665

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN MIKSICH	PRESIDENT	7.00	Officer Director	$3,600	$0	$3,600
PAMELA SUTKO	VICE PRESIDENT	1.50	Officer Director	$1,800	$0	$1,800
BRANDON PORTER	TREASURER	6.00	Officer Director	$3,840	$0	$3,840
MICHELE MAGGI	RECORDING SECRETARY	3.50	Officer Director	$2,750	$0	$2,750
VIOLET SVETICH	PRESIDENT OF TRUSTEES	1.50	Director	$1,375	$0	$1,375
VIOLET BADE	NEST 10 MANAGER	1.00	Director	$1,350	$0	$1,350
MICHELE SCHMANKE	TRUSTEE	1.00	Director	$900	$0	$900
MARY ANN MAGGI	TRUSTEE	1.00	Director	$900	$0	$900
KATHERINE O'NEILL	TRUSTEE	1.00	Director	$900	$0	$900
CINDY MAYER	TRUSTEE	1.00	Director	$900	$0	$900
PETER PISKOL	SPORTS DIRECTOR	3.00	Director	$1,350	$0	$1,350

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
2021	$43,154	$51,900	$775,091	$-8,746
2020	$25,274	$91,173	$772,413	$-65,899