WSA FRATERNAL LIFE (EIN 840350916) - 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

1908

Legal Domicile

Principal Officer

RANDY FUSS

Phone

3034511494

Tax Period

2024-01-01 to 2024-12-31

WSA FRATERNAL LIFE, founded in 1908, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2024. Revenue decreased 17% compared to the prior year. Net assets of $8.2M represent 42 months of operating reserves.

Mission

FRATERNAL BENEFIT SOCIETY

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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 $172,049

Investment Income $1,986,142

Other Revenue $198,478

TOTAL REVENUE $2,356,669

Expense Breakdown

Grants Paid $0

Salaries & Benefits $705,086

Fundraising Expenses $0

Other Expenses $391,872

TOTAL EXPENSES $2,414,895

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,356,669	$2,841,018	-0.2%
Expenses	$2,414,895	$2,926,151	-0.2%
Net Income	$-58,226	$-85,133	-0.3%

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

$234,499

Total Directors

$139,972

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN KOGOVSEK	CHAIR	1.00	Officer Director	$7,500	$0	$7,500
DIANA BARTOLO	VICE CHAIR	1.00	Officer Director	$3,000	$0	$3,000
GARY MOORE	SEC/TREAS	1.00	Officer Director	$10,000	$0	$10,000
ROGER LEWIS THRU 123124	DIRECTOR	1.00	Director	$3,000	$0	$3,000
CYNTHIA CONTE	DIRECTOR	1.00	Director	$3,000	$0	$3,000
LISA POVICH	DIRECTOR	1.00	Director	$3,000	$0	$3,000
MICHEAL OSBORN THRU 73124	DIRECTOR	1.00	Director	$1,750	$0	$1,750
ROCCO SANTANGELO	DIRECTOR	1.00	Director	$3,000	$0	$3,000
RANDY FUSS	PRES/CEO	40.00	Officer Director	$94,722	$11,000	$105,722
KRISTINA SCRIBNER	VP OPER.	40.00	Officer	$97,277	$11,000	$108,277

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	$2,356,669	$2,414,895	$39,916,405	$-58,226
2023	$2,841,018	$2,926,151	$40,802,424	$-85,133
2022	$3,529,799	$2,642,959	$42,542,173	$886,840
2021	$2,411,043	$2,944,123	$40,518,457	$-533,080
2020	$1,593,934	$3,296,663	$42,091,387	$-1,702,729
2019	$2,355,331	$2,954,339	$49,449,725	$-599,008
2018	$3,000,652	$3,927,343	$52,052,964	$-926,691

WSA FRATERNAL LIFE