BENEVOLENT & PROTECTIVE ORDER OF 528 (EIN 421023309) - 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

1989

Legal Domicile

Phone

7123622575

Tax Period

2024-04-01 to 2025-03-31

BENEVOLENT & PROTECTIVE ORDER OF 528, founded in 1989, is a micro nonprofit that reported $56K in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Net assets of $134K represent 29 months of operating reserves.

Mission

TO BENEFIT SEVERAL LOCAL CHARITIES AND YOUTH PROGRAMS BY CONDUCTING FUNDRAISING 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 (2024)

Revenue Breakdown

Contributions & Grants $18,880

Program Service Revenue $0

Investment Income $410

Other Revenue $36,925

TOTAL REVENUE $56,215

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,600

Fundraising Expenses $0

Other Expenses $57,694

TOTAL EXPENSES $61,294

Year-over-Year Comparison

	2024	2023	Change
Revenue	$56,215	$79,397	-0.3%
Expenses	$61,294	$66,664	-0.1%
Net Income	$-5,079	$12,733	-1.4%

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

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

$3,600

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRYSTAL R PLUTH	Treasurer	5.00	Officer	$1,800	$0	$1,800
CINDY BETHUNE	Secretary	5.00	Officer	$1,800	$0	$1,800
SCOTT JOHNSON	Trustee	0.00	Director	$0	$0	$0
MARK CABOTH	Trustee	0.00	Director	$0	$0	$0
KALCEY HARVEY	Trustee	0.00	Director	$0	$0	$0
THERESA UMSCHEID	LOYAL KNIGHT	0.00	Officer	$0	$0	$0
KRISTI FREDERICK	EXALTED RULER	0.00	Officer	$0	$0	$0
TAMMY DYKSTRA	LECTURING KNIGH	0.00	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	$56,215	$61,294	$140,341	$-5,079
2024	$79,397	$66,664	$144,357	$12,733
2023	$37,112	$44,656	$132,965	$-7,544
2022	$52,607	$51,252	$138,379	$1,355
2021	$20,054	$35,809	$136,368	$-15,755
2020	$41,807	$61,704	$152,688	$-19,897
2019	$70,238	$70,527	$172,763	$-289

BENEVOLENT & PROTECTIVE ORDER OF 528