VFW POST 315 HOME ASSOCIATION

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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

1939

Legal Domicile

Principal Officer

RICHARD STONE JR

Phone

7246588257

Tax Period

2024-08-01 to 2025-07-31

VFW POST 315 HOME ASSOCIATION, founded in 1939, is a small nonprofit that reported $100K in total revenue in fiscal year 2024. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $118K exceeded revenue, resulting in a 18% operating deficit.

Mission

THIS EXEMPT ORGANIZATION OPERATES EXCLUSIVELY FOR THE PLEASURE OF ITS MEMBERS. NONE OF THE NET EARNINGS INSURES TO THE BENEFIT OF ANY PRIVATE INDIVIDUAL. THIS SOCIAL CLUB IS SUPPORTED BY ITS MEMBERS.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $100,044

TOTAL REVENUE $100,044

Expense Breakdown

Grants Paid $2,687

Salaries & Benefits $38,759

Fundraising Expenses $0

Other Expenses $76,693

TOTAL EXPENSES $118,139

Year-over-Year Comparison

	2024	2023	Change
Revenue	$100,044	$156,622	-0.4%
Expenses	$118,139	$149,598	-0.2%
Net Income	$-18,095	$7,024	-3.6%

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

151

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD PUTNAM	COMMMANDER	N/A	Officer	$0	$0	$0
NICHOLAS NEWTZIE	SR VICE COMMANDER	N/A	Officer	$0	$0	$0
RUSSELL MASON	JR VICE COMMANDER	N/A	Officer	$0	$0	$0
RICHARD STONE JR	QUARTERMASTER	N/A	Officer	$0	$0	$0
JAMIE SNYDER	CHAPLAIN	N/A	Officer	$0	$0	$0
RUTH FAIRCHILD	JUDGE ADVOCATE	N/A	Officer	$0	$0	$0
TRAVIS HASSAN	SURGEON	N/A	Officer	$0	$0	$0
DANIEL PACIFICO	3 YR TRUSTEE	N/A	Officer	$0	$0	$0
DOUGLAS MITTEN	2 YR TRUSTEE	N/A	Officer	$0	$0	$0
LARRY MARIKOWITZ	1 YR TRUSTEE	N/A	Officer	$0	$0	$0
JESSE PUTMAN	SERVICE OFFICER	N/A	Officer	$0	$0	$0
RANDOLPH JOHNSON	ADJUTANT	N/A	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	$100,044	$118,139	$26,172	$-18,095
2024	$156,622	$149,598	$33,645	$7,024
2023	$135,189	$139,284	$21,723	$-4,095