CSA Fraternal Life (EIN 360971620) - 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

1911

Legal Domicile

Principal Officer

John Kielczewski

Phone

6304720500

Tax Period

2024-01-01 to 2024-12-31

CSA Fraternal Life, founded in 1911, is a mid-sized nonprofit that reported $16.6M in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year.

Mission

A society that provides competitive insurance and retirement products to its 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $12,845,311

Investment Income $3,725,458

Other Revenue $4,311

TOTAL REVENUE $16,575,080

Expense Breakdown

Grants Paid $28,000

Salaries & Benefits $1,517,890

Fundraising Expenses $0

Other Expenses $1,413,205

TOTAL EXPENSES $17,973,484

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,575,080	$19,467,110	-0.1%
Expenses	$17,973,484	$21,259,586	-0.2%
Net Income	$-1,398,404	$-1,792,476	-0.2%

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

3900

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

$389,166

Total Directors

$315,193

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Irma Farrell	Chairman of the Board	4.00	Director	$10,000	$0	$10,000
Diane Dibianca	Director	4.00	Director	$7,000	$0	$7,000
Kenneth Dvorsky	Director	4.00	Director	$7,000	$0	$7,000
Thomas Ledvina	Director	4.00	Director	$7,000	$0	$7,000
Cary Mentzer	Director	4.00	Director	$7,000	$0	$7,000
Terry Placek	Director	4.00	Director	$7,000	$0	$7,000
Carol Tranter	Director	4.00	Director	$7,000	$0	$7,000
Paul Vavrasek	Director	4.00	Director	$7,000	$0	$7,000
Connie Wolf	Director	4.00	Director	$7,000	$0	$7,000
John Kielczewski	Director/President	40.00	Officer Director	$220,354	$28,839	$249,193
Nick Kosmas	Secretary/Tresurer	40.00	Officer	$112,111	$27,862	$139,973
Julie Souza	Sales Manager	40.00	Highest	$122,978	$25,745	$148,723

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	$16,575,080	$17,973,484	$94,376,425	$-1,398,404
2023	$19,467,110	$21,259,586	$97,817,744	$-1,792,476
2022	$24,248,357	$22,559,697	$105,903,902	$1,688,660
2021	$24,229,439	$23,965,368	$138,191,807	$264,071
2020	$21,546,666	$21,097,816	$135,999,994	$448,850
2019	$21,928,003	$21,835,441	$134,781,889	$92,562
2018	$18,854,664	$18,634,790	$139,664,388	$219,874

CSA Fraternal Life