BPO Elks St Mary's County Lodge #2092 (EIN 520749701) - 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

1975

Legal Domicile

Principal Officer

Kevin Williams

Phone

3018637800

Tax Period

2024-04-01 to 2025-03-31

BPO Elks St Mary's County Lodge #2092, founded in 1975, is a small nonprofit that reported $468K in total revenue in fiscal year 2024. Revenue surged 44% from the prior year, signaling strong growth momentum.

Mission

Promote Americanism and Assist Youth

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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 $38,829

Program Service Revenue $0

Investment Income $2,158

Other Revenue $426,775

TOTAL REVENUE $467,762

Expense Breakdown

Grants Paid $0

Salaries & Benefits $107,962

Fundraising Expenses $0

Other Expenses $384,504

TOTAL EXPENSES $492,466

Year-over-Year Comparison

	2024	2023	Change
Revenue	$467,762	$325,606	+0.4%
Expenses	$492,466	$321,164	+0.5%
Net Income	$-24,704	$4,442	-6.6%

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

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

$600

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kevin Williams	Exalted Ruler	4.00	Officer	$0	$0	$0
Cheryl Richardson	Leading Knight	4.00	Officer	$0	$0	$0
Scott Ostrow	Loyal Knight	4.00	Officer	$0	$0	$0
Derwin Booth	Lecturing Knight	4.00	Officer	$0	$0	$0
Wanda Zapata	Secretary	4.00	Officer	$300	$0	$300
Heidi Whitford	Treasurer	4.00	Officer	$300	$0	$300
Robert Schneider	Trustee	4.00	Officer	$0	$0	$0
David Mahoney	Trustee	4.00	Officer	$0	$0	$0
Brian Wasel	Trustee	4.00	Officer	$0	$0	$0
Scott Barefoot	Trustee	4.00	Officer	$0	$0	$0
Malcolm House	Trustee	4.00	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	$467,762	$492,466	$1,077,940	$-24,704
2024	$325,606	$321,164	$817,421	$4,442
2023	$424,301	$383,233	$733,488	$41,068
2022	$346,860	$348,764	$796,139	$-1,904

BPO Elks St Mary's County Lodge #2092