KSKJ Life (EIN 361150880) - 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

1894

Legal Domicile

Principal Officer

Anthony J Mravle Jr

Phone

8157412001

Tax Period

2024-01-01 to 2024-12-31

KSKJ Life, founded in 1894, is a mid-sized nonprofit in the Mutual Benefit sector that reported $70.7M in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $67.5M left a modest 5% surplus.

Mission

To provide financial security to our members and their families through life insurance and annuity products, and to make a difference by reinvesting back into our communities.

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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 $46,809,351

Investment Income $22,987,208

Other Revenue $890,222

TOTAL REVENUE $70,686,781

Expense Breakdown

Grants Paid $76,664

Salaries & Benefits $3,767,362

Fundraising Expenses $0

Program Expenses $67,468,170

Other Expenses $11,195,879

TOTAL EXPENSES $67,468,170

Year-over-Year Comparison

	2024	2023	Change
Revenue	$70,686,781	$104,362,157	-0.3%
Expenses	$67,468,170	$104,932,922	-0.4%
Net Income	$3,218,611	$-570,765	-6.6%

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

750

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

$1,507,475

Total Directors

$181,150

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Anthony J Mravle	CEO	38.00	Officer	$440,195	$38,237	$478,432
Stuart Buchanan	Corporate Sec'y	38.00	Officer	$334,772	$28,441	$363,213
Anthony T Mravle	Investment Mgr	25.00	Officer	$314,344	$13,526	$327,870
Brian Sharp	CFO	38.00	Officer	$265,631	$10,329	$275,960
April Sleyko	Chief Marketing Officer	38.00		$234,921	$30,293	$265,214
Lauren Rainey	VP Operations	38.00		$212,975	$9,031	$222,006
Anthony Menart	Chair of Board	5.00	Officer Director	$36,000	$0	$36,000
Philip Hrvatin	Vice Chairman	5.00	Officer Director	$26,000	$0	$26,000
MaryLou Stefanick	Director	1.00	Director	$22,150	$0	$22,150
Julie Schneller	Director	1.00	Director	$22,000	$0	$22,000
Daniel Golob	Director	1.00	Director	$22,000	$0	$22,000
Daniel Mihelich	Director	1.00	Director	$21,000	$0	$21,000
Ashley Begg	Director	1.00	Director	$16,000	$0	$16,000
Michael Vidmar	Director	1.00	Director	$16,000	$0	$16,000

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	$70,686,781	$67,468,170	$509,590,264	$3,218,611
2023	$104,362,157	$104,932,922	$547,078,775	$-570,765
2022	$99,748,650	$99,605,250	$566,621,445	$143,400
2021	$81,326,780	$81,027,899	$557,090,096	$298,881
2020	$85,861,013	$85,097,534	$526,627,444	$763,479
2019	$94,930,781	$93,835,129	$520,229,093	$1,095,652
2018	$81,597,708	$79,117,496	$513,333,450	$2,480,212

KSKJ Life