BENEVOLENT AND PROTECTIVE ORDER OF ELKS 978 (EIN 640412764) - 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

1913

Legal Domicile

Principal Officer

CRAIG J HUCH

Phone

2283241802

Tax Period

2024-04-01 to 2025-03-31

BENEVOLENT AND PROTECTIVE ORDER OF ELKS 978, founded in 1913, is a micro nonprofit that reported $51K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $65K exceeded revenue, resulting in a 29% operating deficit.

Mission

TO PROMOTE SOCIAL & COMMUNITY WELFARE.

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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 $5,692

Program Service Revenue $0

Investment Income $0

Other Revenue $45,143

TOTAL REVENUE $50,835

Expense Breakdown

Grants Paid $1,443

Salaries & Benefits $2,400

Fundraising Expenses $2,008

Other Expenses $58,597

TOTAL EXPENSES $65,456

Year-over-Year Comparison

	2024	2023	Change
Revenue	$50,835	$54,910	-0.1%
Expenses	$65,456	$50,208	+0.3%
Net Income	$-14,621	$4,702	-4.1%

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

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

$2,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRAIG HUCH	EXALTED RULER	10	Director	$0	$0	$0
THOMAS ODLE	ESTEEMED LEADING KNIGHT	10	Director	$0	$0	$0
PHILIP CHAEDOTAL	ESTEEMED LOYAL KNIGHT	10	Director	$0	$0	$0
PEGGY MCGREW	ESTEEMED LECTURING NIGHT	10	Director	$0	$0	$0
TERRY HUDSON	LODGE SECRETARY	10	Officer Highest	$1,200	$0	$1,200
DIANA ODLE	TREASURER	10	Officer Highest	$1,200	$0	$1,200
JACKIE WILSON	LODGE ESQUIRE	10	Director	$0	$0	$0
LISA RESNICKS	LODGE CHAPLAIN	10	Director	$0	$0	$0
SHANE OLSON	LODGE TYLER	10	Director	$0	$0	$0
WALTER PENNINGTON	INNER GUARD	10	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	$50,835	$65,456	$1,100,468	$-14,621
2025	$50,835	$65,456	$1,100,468	$-14,621
2025	$50,835	$65,456	$1,100,468	$-14,621
2024	$54,910	$50,208	$1,074,651	$4,702
2023	$32,401	$53,415	$1,159,588	$-21,014
2022	$50,554	$51,862	$1,328,655	$-1,308
2021	$43,207	$40,921	$1,314,409	$2,286
2021	$43,207	$45,120	$2,244,066	$-1,913
2020	$41,499	$35,234	$1,304,918	$6,265
2019	$51,709	$49,741	$546,619	$1,968

BENEVOLENT AND PROTECTIVE ORDER OF ELKS 978