TRAVELERS PROTECTIVE ASSOCIATION OF AMER POST A MARYLAND DIVISION (EIN 520217083) - 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

1890

Legal Domicile

Principal Officer

JULIE KUPPER

Phone

6367242227

Tax Period

2024-04-01 to 2025-03-31

TRAVELERS PROTECTIVE ASSOCIATION OF AMER POST A MARYLAND DIVISION, founded in 1890, is a micro nonprofit that reported $8K in total revenue in fiscal year 2024.

Mission

FRATERNAL BENEFIT SOCIETY OFFERING ACCIDENTAL INJURY ONLY BENEFITS TO ITS MEMBERS THROUGH THE TRAVELERS PROTECTIVE ASSOCAITON OF AMERICA, AND ALSO PROMOTES CHILD SAFETY, AND COMMUNITY SERVICE PROJECTS.

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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 $7,615

Other Revenue $0

TOTAL REVENUE $7,615

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $0

TOTAL EXPENSES $0

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,615	$7,570	+0.0%
Expenses	N/A	N/A	N/A
Net Income	N/A	$7,570	N/A

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

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
JULIE KUPPER	PRESIDENT	Officer Director	$0	$0	$0
JOE LEDERMAN	PRESIDENT	Officer Director	$0	$0	$0
RICHARD MARTIN	VICE PRESIDENT	Officer Director	$0	$0	$0
KAY AYCOCK	DIRECTOR	Officer Director	$0	$0	$0
DEAN COSTELLO	DIRECTOR	Officer Director	$0	$0	$0
ALFRED MOORE JR	DIRECTOR	Officer Director	$0	$0	$0
TOM DAVIS	DIRECTOR	Officer Director	$0	$0	$0
ROLLIN MILLS	DIRECTOR	Officer Director	$0	$0	$0
JOHN J CHMIELEWSKI	DIRECTOR	Officer Director	$0	$0	$0
WAYNE WARNECKE	DIRECTOR	Officer Director	$0	$0	$0
ED MILLER	DIRECTOR	Officer Director	$0	$0	$0
BRADLEY CUNNINGHAM	DIRECTOR	Officer 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	$7,615	No data	$563,178	No data

TRAVELERS PROTECTIVE ASSOCIATION OF AMER POST A MARYLAND DIVISION