WATERLOO MASONIC LODGE #787 AF & AM (EIN 370155383) - 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

FRANK R WEBER

Phone

6189397101

Tax Period

2024-01-01 to 2024-12-31

WATERLOO MASONIC LODGE #787 AF & AM, founded in 1911, is a micro nonprofit that reported $46K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. Net assets of $433K represent 112 months of operating reserves.

Mission

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

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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 $11,623

Program Service Revenue $7,598

Investment Income $25,236

Other Revenue $1,951

TOTAL REVENUE $46,408

Expense Breakdown

Grants Paid $2,905

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $37,526

TOTAL EXPENSES $47,289

Year-over-Year Comparison

	2024	2023	Change
Revenue	$46,408	$60,354	-0.2%
Expenses	$47,289	$83,829	-0.4%
Net Income	$-881	$-23,475	-1.0%

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	Role	Reportable Comp	Other Comp	Total
JEFFREY SAMUEL ELLEDGE	SENIOR WARDEN	Director	$0	$0	$0
MATTHEW JAY NAUMANN	WORSHIPFUL MASTER	Director	$0	$0	$0
TIMOTHY BODE	JUNIOR WARDEN	Director	$0	$0	$0
RICHARD LAYTON	SECRETARY	Director	$0	$0	$0
FRANK RAY WEBER III	TREASURER	Director	$0	$0	$0
HERMAN JOSEPH ALBERS	CHAPLAIN	Director	$0	$0	$0
JOHN HEIMBECKER	SENIOR DEACON	Director	$0	$0	$0
SCOTT M FAUST	JUNIOR DEACON	Director	$0	$0	$0
SCOTT ANDREW FINK	SENIOR STEWARD	Director	$0	$0	$0
CARL F WASEM	JUNIOR STEWARD	Director	$0	$0	$0
WILLIAM COPLIN	MARSHAL	Director	$0	$0	$0
STEPHEN DENNIS HOEFFT JR	TYLER	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
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

WATERLOO MASONIC LODGE #787 AF & AM