POLICE MUTUAL BENEVOLENT ASSOCIATION (EIN 720508727) - 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

1937

Legal Domicile

Principal Officer

DAVID LENTZ

Phone

5046585727

Tax Period

2024-01-01 to 2024-12-31

POLICE MUTUAL BENEVOLENT ASSOCIATION, founded in 1937, is a micro nonprofit that reported $77K in total revenue in fiscal year 2024. Expenses of $88K exceeded revenue, resulting in a 14% operating deficit.

Mission

PROVIDE DEATH AND MEDICAL BENEFITS FOR MEMBERS

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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 $45,583

Investment Income $31,822

Other Revenue $0

TOTAL REVENUE $77,405

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,600

Fundraising Expenses $0

Other Expenses $11,258

TOTAL EXPENSES $87,858

Year-over-Year Comparison

	2024	2023	Change
Revenue	$77,405	$74,120	+0.0%
Expenses	$87,858	$83,431	+0.1%
Net Income	$-10,453	$-9,311	+0.1%

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

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

$10,800

Total Directors

$14,400

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM T ROTH	PRESIDENT	10.00	Officer Director	$3,600	$0	$3,600
WILLIAM P PATIN	VICE-PRESIDENT	10.00	Officer Director	$3,600	$0	$3,600
HAROLD F HAND	FORMER TREASURER	0.00	Officer Director	$0	$0	$0
AUGUST C KRINKE	RECORDING SECRETARY	10.00	Officer Director	$0	$0	$0
PETER P MENKIEWICZ	ADMINISTRATOR	0.50	Director	$0	$0	$0
LEWIS SHAW	ADMINISTRATOR	0.50	Director	$0	$0	$0
JAMES G GALLAGHER	ADMINISTRATOR	0.50	Director	$0	$0	$0
JOHN E WEBER JR	ADMINISTRATOR	0.50	Director	$0	$0	$0
ERNEST DEMMA	ADMINISTRATOR	0.50	Director	$0	$0	$0
HENRY DEAN	ADMINISTRATOR	0.50	Director	$3,600	$0	$3,600
SIDNEY GARAUDY	ADMINISTRATOR	0.50	Director	$0	$0	$0
DAVID G LENTZ	TREASURER	10.00	Officer Director	$3,600	$0	$3,600

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
2024	$77,405	$87,858	$695,748	$-10,453
2023	$74,120	$83,431	$706,201	$-9,311
2022	$60,372	$92,489	$715,512	$-32,117
2021	$67,325	$80,819	$747,629	$-13,494
2020	$74,779	$80,621	$761,123	$-5,842
2019	$83,033	$73,014	$766,965	$10,019
2018	$81,171	$102,310	$756,946	$-21,139

POLICE MUTUAL BENEVOLENT ASSOCIATION