Pensacola Beach Elks Lodge 497 (EIN 591741680) - 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

2009

Legal Domicile

Principal Officer

Kathryn Lancaster

Phone

8509324444

Tax Period

2024-04-01 to 2025-03-31

Pensacola Beach Elks Lodge 497, founded in 2009, is a small nonprofit that reported $634K in total revenue in fiscal year 2024. Net assets of $2.5M represent 47 months of operating reserves.

Mission

Fraternal Org serving community

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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 $353,043

Program Service Revenue $0

Investment Income $7,433

Other Revenue $273,691

TOTAL REVENUE $634,167

Expense Breakdown

Grants Paid $0

Salaries & Benefits $178,717

Fundraising Expenses $0

Other Expenses $479,530

TOTAL EXPENSES $658,247

Year-over-Year Comparison

	2024	2023	Change
Revenue	$634,167	$666,609	0.0%
Expenses	$658,247	$546,094	+0.2%
Net Income	$-24,080	$120,515	-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

156

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

$37,164

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Shannon Fell	Treasurer	10.00	Officer	$21,421	$0	$21,421
Lisa Levchik	Secretary	10.00	Officer	$15,743	$0	$15,743
Greg Eddins	Leading Knight	5.00	Officer	$0	$0	$0
David Warren	Trustee	10.00	Director	$0	$0	$0
Debra Patroni	Trustee	10.00	Officer Director	$0	$0	$0
Will Berry	Trustee	10.00	Director	$0	$0	$0
Phil Gambrell	Trustee	5.00	Director	$0	$0	$0
Nina Summer	Trustee	5.00	Officer	$0	$0	$0
Milton Andress	Lecturing Knight	5.00	Officer	$0	$0	$0
Jame sRodriguez	Exalted Ruler	10.00	Officer	$0	$0	$0
Ingo Starke	Loyal Knight	5.00	Officer	$0	$0	$0
Clayton Sanders	Esquire	5.00	Officer	$0	$0	$0
Johnny Graves	Tiler	5.00	Officer	$0	$0	$0
Tammy Eddins	Chaplain	5.00	Officer	$0	$0	$0
Hiram Hill	Inner Guard	5.00	Officer	$0	$0	$0
John Unzicker	Presiding Justice	5.00	Officer	$0	$0	$0
Toni Palmer	Lodge Advisor	5.00	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	$634,167	$658,247	$2,773,256	$-24,080
2024	$666,609	$546,094	$2,784,830	$120,515
2023	$620,476	$419,706	$2,657,475	$200,770
2022	$508,579	$363,548	$2,485,544	$145,031
2021	$364,783	$295,944	$2,343,685	$68,839

Pensacola Beach Elks Lodge 497