MIAMI LODGE NO 948 BPO ELKS (EIN 590753041) - 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

1905

Legal Domicile

Principal Officer

JOSE MORIN

Phone

3052708283

Tax Period

2024-04-01 to 2025-03-31

MIAMI LODGE NO 948 BPO ELKS, founded in 1905, is a small nonprofit that reported $657K in total revenue in fiscal year 2024. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $728K exceeded revenue, resulting in a 11% operating deficit.

Mission

FRATERNAL ORGANIZATION

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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 $158,912

Program Service Revenue $14,728

Investment Income $65,502

Other Revenue $417,656

TOTAL REVENUE $656,798

Expense Breakdown

Grants Paid $0

Salaries & Benefits $266,740

Fundraising Expenses $0

Program Expenses $706,001

Other Expenses $461,324

TOTAL EXPENSES $728,064

Year-over-Year Comparison

	2024	2023	Change
Revenue	$656,798	$1,154,080	-0.4%
Expenses	$728,064	$690,681	+0.1%
Net Income	$-71,266	$463,399	-1.2%

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

100

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

$4,800

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TREASURER	010.00	Officer	$4,800	$0	$4,800
N/A	TRUSTEE	005.00	Officer Director	$0	$0	$0
N/A	TRUSTEE	005.00	Officer Director	$0	$0	$0
N/A	TRUSTEE	005.00	Officer Director	$0	$0	$0
N/A	TRUSTEE	005.00	Officer Director	$0	$0	$0
N/A	TRUSTEE	005.00	Officer Director	$0	$0	$0
N/A	EXALTED RULER	020.00	Officer	$0	$0	$0
N/A	LEADING KNIGHT	010.00	Officer	$0	$0	$0
N/A	LOYAL KNIGHT	005.00	Officer	$0	$0	$0
N/A	LECTURING KNIGHT	005.00	Officer	$0	$0	$0
N/A	SECRETARY	020.00	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	$656,798	$728,064	$6,906,935	$-71,266
2024	$1,154,080	$690,681	$6,775,183	$463,399
2023	$517,034	$636,688	$6,067,068	$-119,654
2022	$639,061	$632,941	$6,439,879	$6,120
2021	$326,790	$522,761	$6,333,164	$-195,971
2020	$393,991	$736,240	$5,504,366	$-342,249
2019	$510,696	$705,153	$6,020,631	$-194,457

MIAMI LODGE NO 948 BPO ELKS