Wsa Fraternal Life

Nonprofit profile at a glance

EIN
840350916
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Westminster, CO, USA
Phone
3034511494
Rating
83
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$2,296,962
Expenses
$2,448,062
Assets
$39,449,089
Liabilities
$31,095,783

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

Leadership & pay

8 people listed

Executive titles in this filing

  • RANDY FUSS (PRES/CEO)

Highest reported compensation

  • RANDY FUSS (PRES/CEO): $107,392 total reported compensation
  • KRISTINA SCRIBNER (VP OPER.): $107,112 total reported compensation
  • GARY MOORE (SEC/TREAS): $10,000 total reported compensation

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

Overview

Mission

Fraternal benefit society

What it reported doing in 2025

Providers of life insurance to members. W.s.a. Fraternal life has been operated solely for the mutual benefit of its members and their beneficiaries and not for profit through subordinate lodges.

Operating model

Revenue model
Investment-supported. 84% of the money available for current operations came from recurring investment income.
Distribution model
Hybrid. The nonprofit split its reported program spending across 45% for direct work, and 55% for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and program spending has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 90
  • Accountability: 92
  • Sustainability: 38
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd 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: 85.7%; rating input score 86; 19th 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: -6.6%; rating input score 13; 13th percentile among comparable filings
  • Total-asset coverage ratio: 16.11; rating input score 92; 92nd percentile among comparable filings
  • Liabilities to assets ratio: 0.79; rating input score 8; 8th percentile among comparable filings
  • Officer compensation ratio: 10%; rating input score 33; 33rd percentile among comparable filings

Growth

  • Program expense growth: -6.7% per year; rating input score 0; 4th percentile among comparable filings
  • Revenue growth: -7.5% per year; rating input score 0; 2nd percentile among comparable filings
  • Asset growth: -1.6% per year; rating input score 0; 7th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: 6 of 7 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $107K · 8 people listed
  • Consistency: 27 of 27 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 8 filed money-flow records
  • 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.

Key Signals

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

  • High — Sustainability: Operating margin scored 13/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Liabilities to assets ratio scored 8/100.
  • Moderate — Sustainability: Officer compensation ratio scored 33/100.