FREE & LODGE MASONS OF INDIANA BEDFORD LODGE 14 F & AM (EIN 350300000) - 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

1957

Legal Domicile

Principal Officer

NICHOLAS CRULO

Phone

8122753824

Tax Period

2022-12-01 to 2023-11-30

FREE & LODGE MASONS OF INDIANA BEDFORD LODGE 14 F & AM, founded in 1957, is a micro nonprofit that reported $32K in total revenue in fiscal year 2022. Revenue surged 119% from the prior year, signaling strong growth momentum. Expenses of $95K exceeded revenue, resulting in a 200% operating deficit.

Mission

THE ENRICHMENT OF ALL GOOD MEN THROUGH THE APPLICATION OF THE FUNDAMENTAL TENETS OF FREE MASONRY AND A VALUABLE CONTRACTOR OF ALL LEVELS OF OUR SOCIETY.

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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 (2022)

Revenue Breakdown

Contributions & Grants $2,000

Program Service Revenue $25,295

Investment Income $134

Other Revenue $4,305

TOTAL REVENUE $31,734

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,609

Fundraising Expenses $0

Other Expenses $89,713

TOTAL EXPENSES $95,322

Year-over-Year Comparison

	2022	2021	Change
Revenue	$31,734	$14,509	+1.2%
Expenses	$95,322	$63,749	+0.5%
Net Income	$-63,588	$-49,240	+0.3%

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

275

Independent Members

275

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
ZACHARY CRANE	WORSHIPFUL M	1.00	Director	$0	$0	$0
NICHOLAS CRULO	AUDIT CHAIRM	1.00	Director	$0	$0	$0
ALEX DAY	CHAPLAIN	1.00	Director	$0	$0	$0
AARON DECKER	SENIOR STEWA	1.00	Director	$0	$0	$0
JAMES T ERNST	JR WARDEN	1.00	Director	$0	$0	$0
JACHIN FOX	JUNIOR DEACO	1.00	Director	$0	$0	$0
JEREMY FOX	TRUSTEE	1.00	Director	$0	$0	$0
ANON GOINS	SENIOR WARDE	1.00	Director	$0	$0	$0
DAVID HARGIS	TREASURER	1.00	Director	$0	$0	$0
KEVIN KEITH	TYLER	1.00	Director	$0	$0	$0
JEREMY MULLIS	SECRETARY	2.00	Director	$0	$0	$0
BRUNO SANDERS	SENIOR DEACO	1.00	Director	$0	$0	$0
ETHAN SULLIVAN	JR WARDEN	1.00	Director	$0	$0	$0
ROBERT VERBOCHT	JUNIOR STEWA	1.00	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
2023	$11,291	$18,181	$728,881	$-6,890
2023	$31,734	$95,322	$766,831	$-63,588
2022	$14,509	$63,749	$833,557	$-49,240
2021	$24,519	$42,025	$880,502	$-17,506
2020	$38,892	$40,863	$893,009	$-1,971
2019	$36,186	$39,665	$897,581	$-3,479
2018	$31,751	$40,753	$898,131	$-9,002

FREE & LODGE MASONS OF INDIANA BEDFORD LODGE 14 F & AM