The Travelers Protective Association of America

Nonprofit profile at a glance

EIN
430555650
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
St Charles, MO, USA
Phone
6367242227
Rating confidence
Limited

Official website

Reported finances

Revenue
$1,057,213
Expenses
$1,631,000
Assets
$11,529,786
Liabilities
$1,208,084

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

12 people listed

Executive titles in this filing

  • JULIE KUPPER (PRESIDENT)
  • BRADLEY CUNNINGHAM (VICE PRESIDENT)
  • RICHARD MARTIN (VICE PRESIDENT)

Highest reported compensation

  • ROBERT L SCHAPP JR (CHIEF ADMINISTRATIVE OFFIC): $115,945 total reported compensation
  • JULIE KUPPER (PRESIDENT): $1,875 total reported compensation
  • KAY AYCOCK (DIRECTOR): $225 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide a venue for fellowship and altrustic service, accidental injury benefits to members and their beneficiaries; for personal growth through networking; organizational opportunities; financial aid assistance to deaf and hard of hearing persons that are residents of the united states through the charitable arm of the association; leading and educating communities on child and safety issues.

What it reported doing in 2025

The safety program provides safety materials for distribution at cost for members at community safety events. Our posts (lodges) order material from us at or below cost for their programs. All leaflets and brochures are printed in-house as a part of the duties of our personnel. Some items such as bumper stickers are out sourced and are available at cost to our posts (lodges). Expenses include costs for materials and an annual allowance for safety chairs in attending the association's annual meeting.

Operating model

Revenue model
Investment-supported. 60% of the money available for current operations came from recurring investment income.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 91
  • Accountability: 100
  • Sustainability: 36
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 90.9%; rating input score 91; 10th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -54.3%; rating input score 2; 2nd percentile among comparable filings
  • Total-asset coverage ratio: 7.07; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.1; rating input score 34; 34th percentile among comparable filings
  • Officer compensation ratio: 7.3%; rating input score 45; 45th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -3.1% per year; rating input score 0; 6th percentile among comparable filings
  • Asset growth: 0.1% per year; rating input score 100; 16th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 8 of 8 board members independent · 9 of 9 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $116K · 12 people listed
  • Consistency: 12 of 13 current checks pass · 1 finding to review
  • Schedules: 3 filed schedules
  • Filing history: 10 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Money network: 12 filed money-flow records
  • Related organizations: 2 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 2/100.
  • Review — Transparency & Controls: Schedule R controlled transactions itemized did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 34/100.
  • Moderate — Sustainability: Officer compensation ratio scored 45/100.