STILLWATER ELKS LODGE 179

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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

1891

Legal Domicile

Principal Officer

JOHN OERTEL

Phone

6513351828

Tax Period

2024-04-01 to 2025-03-31

STILLWATER ELKS LODGE 179, founded in 1891, is a micro nonprofit that reported $56K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Net assets of $124K represent 27 months of operating reserves.

Mission

Promote values of Elkdom in St. Croix Valley, Washington County, State of Minnesota

Program Service Accomplishments

Program 1

Expenses: $51,538

Promote the values of Elkdom in the St. Croix Valley, Washington County, State of Minnesota

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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 $28,717

Program Service Revenue $1,114

Investment Income $45

Other Revenue $26,081

TOTAL REVENUE $55,957

Expense Breakdown

Grants Paid $20,337

Salaries & Benefits $3,161

Fundraising Expenses $0

Program Expenses $51,538

Other Expenses $34,683

TOTAL EXPENSES $60,667

Year-over-Year Comparison

	2024	2023	Change
Revenue	$55,957	$51,645	+0.1%
Expenses	$60,667	$52,013	+0.2%
Net Income	$-4,710	$-368	+11.8%

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

Volunteers

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
JOHN ONEIL	TRUSTEE	0.00	Director	$0	$0	$0
RICK WALLINDER	TRUSTEE	0.00	Director	$0	$0	$0
DANIEL BYLANDER	TRUSTEE	0.00	Director	$0	$0	$0
VINCENT ARRAGONI	TRUSTEE	4.00	Director	$0	$0	$0
FRED POTTHOFF	TRUSTEE	0.00	Director	$0	$0	$0
KATHY OERTEL	CHAPLAIN	0.00	Officer	$0	$0	$0
KARA TOPPER	ESTEEMED LOYAL KNIGHT	0.00	Officer	$0	$0	$0
JOYCE SIMONSON	TREASURER	3.00	Officer	$0	$0	$0
JULIA OLSON	SECRETARY	3.00	Officer Highest	$0	$0	$0
RICHARD SIVER	ESTEEMED LEADING KNIGHT	2.00	Officer	$0	$0	$0
RANDY TOPPER	ESTEEMED LECTURING KNIGHT	2.00	Officer	$0	$0	$0
MARK OLIEN	INNER GUARD	1.00	Officer	$0	$0	$0
JOHN OERTEL	EXALTED RULER	0.00	Officer	$0	$0	$0
DON EDISON	ESQUIRE	0.00	Officer	$0	$0	$0
KAYE WARNING	SUNSHINE LADY	0.00	Officer	$0	$0	$0
SCOTT CLAREY	GAMBLING MANAGER	8.00	Officer	$0	$0	$0
BETTY NELSON	GAMBLING MANAGER	8.00	Officer	$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	$55,957	$60,667	$131,455	$-4,710
2024	$51,645	$52,013	$140,646	$-368
2023	$95,901	$80,634	$135,387	$15,267
2022	$117,564	$72,097	$127,231	$45,467
2020	$40,415	$39,710	$59,271	$705
2019	$90,023	$109,104	$63,977	$-19,081