ROYAL NEIGHBORS OF AMERICA

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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

1895

Legal Domicile

Principal Officer

CYNTHIA TIDWELL

Phone

3097884561

Tax Period

2019-01-01 to 2019-12-31

ROYAL NEIGHBORS OF AMERICA, founded in 1895, is a major nonprofit that reported $185.0M in total revenue in fiscal year 2019. Expenses of $176.7M left a modest 4% surplus.

Mission

PROVIDE WOMEN AND THOSE THEY CARE ABOUT WITH VALUABLE INSURANCE PRODUCTS, FINANCIAL EDUCATION, MEMBER BENEFITS AND SERVICES, AND OPPORTUNITIES TO CONNECT WITH EACH OTHER AND THEIR COMMUNITIES THROUGH A LODGE SYSTEM.

Program Service Accomplishments

Program 1

Expenses: $172,162,589

INSURANCE BENEFITS PROGRAMS: INSURANCE ACTIVITIES AND BENEFITS IN ACCORDANCE WITH THE TERMS OF LIFE, ANNUITY, AND ACCIDENT AND HEALTH CERTIFICATES.

Program 2

Expenses: $3,919,012

MEMBERSHIP BENEFIT PROGRAMS, FRATERNAL ACTIVITIES AND BENEFITS FOR ADULT AND YOUTH MEMBERS, AND CHARITABLE AND COMMUNITY SERVICE ACTIVITIES.

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $129,999,756

Investment Income $54,567,802

Other Revenue $465,000

TOTAL REVENUE $185,032,558

Expense Breakdown

Grants Paid $645,407

Salaries & Benefits $17,442,616

Fundraising Expenses $0

Program Expenses $176,081,601

Other Expenses $44,182,802

TOTAL EXPENSES $176,727,005

Year-over-Year Comparison

	2019	2018	Change
Revenue	$185,032,558	$185,798,811	0.0%
Expenses	$176,727,005	$183,424,347	0.0%
Net Income	$8,305,553	$2,374,464	+2.5%

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

132

Volunteers

48260

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

$1,994,935

Total Directors

$1,927,397

Key Employees

$1,033,580

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA TIDWELL	PRESIDENT	37.50	Officer Director	$859,474	$51,774	$911,248
THOMAS MYERS	CFO/TREASURE	37.50	Officer	$382,551	$48,387	$430,938
CURTIS ZECK	CIO/COO	37.50	Officer Director	$317,312	$48,684	$365,996
JON LUCIA	N/A	37.50	Key Emp	$289,438	$45,669	$335,107
JOHN FRIEDERICH	GENERAL COUN	37.50	Officer	$256,749	$30,004	$286,753
MARY STAVER	HUMAN RESOUR	37.50	Key Emp	$251,431	$28,290	$279,721
SUSAN COTTER	N/A	5.00		$224,325	$30,627	$254,952
RAJA KRISHNAMURTHY	IT EXECUTIVE	37.50	Key Emp	$186,871	$43,425	$230,296
DAVID DECKER	N/A	37.50	Highest	$186,903	$38,374	$225,277
CHRISTOPHER GEERTS	N/A	37.50	Highest	$172,303	$42,459	$214,762
KYLE SLAVISH	N/A	37.50	Highest	$199,868	$12,918	$212,786
JOHN J CSIPKES	N/A	37.50	Highest	$164,544	$35,153	$199,697
KAREN HAYES	OPERATIONS E	37.50	Key Emp	$156,829	$31,627	$188,456
CHRISTOPHER LANGE	N/A	37.50	Highest	$133,379	$15,539	$148,918
DAVID KESSLER	N/A	37.50		$137,792	$5,302	$143,094
VERONICA JORDAN	DIRECTOR	2.00	Director	$84,010	$0	$84,010
MARLA FRIEDMAN GLABE	DIRECTOR	2.00	Director	$79,010	$0	$79,010
ESTELLA VALLEJO	DIRECTOR	2.00	Director	$75,823	$0	$75,823
PATRICIA JONES	DIRECTOR	2.00	Director	$73,260	$0	$73,260
JULIE BAUER	DIRECTOR	2.00	Director	$72,010	$0	$72,010
LISA KRO	DIRECTOR	2.00	Director	$70,260	$0	$70,260
RUTH MCGREGOR	DIRECTOR	2.00	Director	$67,760	$0	$67,760
SUZANNE RIESTERER	DIRECTOR	2.00	Director	$64,010	$0	$64,010
MARIE ZIEGLER	DIRECTOR	2.00	Director	$64,010	$0	$64,010

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
2019	$185,032,558	$176,727,005	$1,104,741,684	$8,305,553
2018	$185,798,811	$183,424,347	$1,067,888,392	$2,374,464