WATERLOO MASONIC LODGE #787 AF & AM

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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

FRANK R WEBER

Phone

6189397101

Tax Period

2025-01-01 to 2025-12-31

WATERLOO MASONIC LODGE #787 AF & AM, founded in 1911, is a micro nonprofit that reported $79K in total revenue in fiscal year 2025. Revenue surged 70% from the prior year, signaling strong growth momentum. The organization ran a surplus of $36K, a strong 46% operating margin.

Mission

LODGE IS A FRATERNAL ORGANIZATION OF ANCIENT FREE AND ACCEPTED MASONS WHOSE MISSION IS THE PROMOTION OF CHARITY, MASONIC GOODWILL AND FELLOWSHIP.

Program Service Accomplishments

Program 1

NONE

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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 (2025)

Revenue Breakdown

Contributions & Grants $16,330

Program Service Revenue $6,144

Investment Income $25,323

Other Revenue $31,227

TOTAL REVENUE $79,024

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $27,217

TOTAL EXPENSES $42,635

Year-over-Year Comparison

	2025	2024	Change
Revenue	$79,024	$46,408	+0.7%
Expenses	$42,635	$47,289	-0.1%
Net Income	$36,389	$-881	-42.3%

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

Independent Members

N/A

Employees

N/A

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
JEFFREY SAMUEL ELLEDGE	SENIOR WARDEN	1.00	Director	$0	$0	$0
MATTHEW JAY NAUMANN	WORSHIPFUL MASTER	0.00	Director	$0	$0	$0
TIMOTHY BODE	JUNIOR WARDEN	0.00	Director	$0	$0	$0
RICHARD LAYTON	SECRETARY	0.00	Director	$0	$0	$0
FRANK RAY WEBER III	TREASURER	0.00	Director	$0	$0	$0
HERMAN JOSEPH ALBERS	CHAPLAIN	0.00	Director	$0	$0	$0
JOHN HEIMBECKER	SENIOR DEACON	0.00	Director	$0	$0	$0
SCOTT M FAUST	JUNIOR DEACON	0.00	Director	$0	$0	$0
SCOTT ANDREW FINK	SENIOR STEWARD	0.00	Director	$0	$0	$0
CARL F WASEM	JUNIOR STEWARD	0.00	Director	$0	$0	$0
WILLIAM COPLIN	MARSHAL	0.00	Director	$0	$0	$0
STEPHEN DENNIS HOEFFT JR	TYLER	0.00	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
2025	$79,024	$42,635	$469,404	$36,389
2024	$46,408	$47,289	$433,015	$-881
2023	$60,354	$83,829	$433,896	$-23,475
2022	$59,665	$41,670	$518,439	$17,995
2021	$34,089	$26,388	$548,052	$7,701
2020	$36,411	$24,260	$524,809	$12,151