Civic Intelligence

Luso-American Life Insurance Society

EIN 94-0401313 • 501(c)8 • Dublin, CA

View Organization Page

Profile

L.A.L.I.S. is a fraternal benefit society serving over 19,500 members and issuing at least two of its publications a year. The Society provides life and annuity products for our particular ethnic group (Portuguese-Americans) in an organizational structure allowing fraternal, cultural, charitable, humanitarian, educational and social activities for the betterment of our policyholders and members and others and for local, national and international communities.

7080 Donlon Way Suite 200Dublin, CA 94568

www.luso-american.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.97x

Higher debt load relative to assets than 93% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

10.47x

Higher debt load relative to revenue than 93% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Net Margin

19th percentile

-6.0%

Higher net margin than 19% of similar nonprofits.

$100M-$250M nonprofits • Source year 2024

Top Officer Pay

20th percentile

$169,962

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

$100M-$250M nonprofits • Source year 2024

Asset Growth

27th percentile

0.9%

Faster asset growth than 27% of similar nonprofits.

$100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

32nd percentile

2.2%

Faster revenue growth than 32% of similar nonprofits.

$100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$141,688,736

Up $1,227,693 (+0.9%) from 2023

Liabilities

Up

$138,073,767

Up $2,013,801 (+1.5%) from 2023

Net Assets

Down

$3,614,969

Down $786,108 (-18%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin19th percentile

Revenue

Up

$13,190,473

Up $289,604 (+2.2%) from 2023

Expenses

Down

$13,976,581

Down $307,931 (-2.2%) from 2023

Net Income

Up

-$786,108

Up $597,535 (+43%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $81,448,214Liabilities 2010: $74,988,102Net Assets 2010: $6,460,1122010Assets 2011: $84,959,580Liabilities 2011: $79,575,155Net Assets 2011: $5,384,4252011Assets 2012: $88,147,571Liabilities 2012: $82,183,438Net Assets 2012: $5,964,1332012Assets 2013: $91,597,113Liabilities 2013: $87,078,280Net Assets 2013: $4,518,8332013Assets 2014: $96,367,845Liabilities 2014: $92,092,893Net Assets 2014: $4,274,9522014Assets 2015: $103,072,433Liabilities 2015: $97,944,239Net Assets 2015: $5,128,1942015Assets 2016: $107,739,017Liabilities 2016: $103,050,263Net Assets 2016: $4,688,7542016Assets 2017: $110,791,356Liabilities 2017: $104,519,549Net Assets 2017: $6,271,8072017Assets 2018: $119,044,469Liabilities 2018: $112,054,357Net Assets 2018: $6,990,1122018Assets 2019: $122,875,729Liabilities 2019: $115,995,175Net Assets 2019: $6,880,5542019Assets 2020: $130,783,535Liabilities 2020: $123,031,896Net Assets 2020: $7,751,6392020Assets 2021: $136,150,844Liabilities 2021: $128,896,486Net Assets 2021: $7,254,3582021Assets 2022: $139,539,836Liabilities 2022: $133,755,116Net Assets 2022: $5,784,7202022Assets 2023: $140,461,043Liabilities 2023: $136,059,966Net Assets 2023: $4,401,0772023Assets 2024: $141,688,736Liabilities 2024: $138,073,767Net Assets 2024: $3,614,9692024

Highlighted filing

2024

Assets$141,688,736
Liabilities$138,073,767
Net Assets$3,614,969
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $12,981,0462010Expenses 2011: $12,020,6012011Expenses 2012: $10,121,8002012Revenue 2013: $9,712,991Expenses 2013: $10,384,020Net Income 2013: -$671,0292013Revenue 2014: $11,237,543Expenses 2014: $11,481,424Net Income 2014: -$243,8812014Revenue 2015: $12,792,635Expenses 2015: $11,939,393Net Income 2015: $853,2422015Revenue 2016: $12,814,884Expenses 2016: $13,254,325Net Income 2016: -$439,4412016Revenue 2017: $11,309,011Expenses 2017: $9,725,957Net Income 2017: $1,583,0542017Revenue 2018: $15,257,325Expenses 2018: $14,539,023Net Income 2018: $718,3022018Revenue 2019: $13,354,418Expenses 2019: $13,463,979Net Income 2019: -$109,5612019Revenue 2020: $14,798,489Expenses 2020: $13,927,402Net Income 2020: $871,0872020Revenue 2021: $14,039,396Expenses 2021: $14,536,677Net Income 2021: -$497,2812021Revenue 2022: $13,781,778Expenses 2022: $15,251,416Net Income 2022: -$1,469,6382022Revenue 2023: $12,900,869Expenses 2023: $14,284,512Net Income 2023: -$1,383,6432023Revenue 2024: $13,190,473Expenses 2024: $13,976,581Net Income 2024: -$786,1082024

Highlighted filing

2024

Revenue$13,190,473
Expenses$13,976,581
Net Income-$786,108
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$141,688,736
Liabilities
$138,073,767
Net assets
$3,614,969
Revenue
$13,190,473
Expenses
$13,976,581
Net income
-$786,108
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$138$3.61$13.2$14.0$0.79
2023Summary only. Only limited summary data is available for this year.$140$136$4.40$12.9$14.3$1.38
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$140$134$5.78$13.8$15.3$1.47
2021Summary only. Only limited summary data is available for this year.$136$129$7.25$14.0$14.5$0.50
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$131$123$7.75$14.8$13.9$0.87
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$123$116$6.88$13.4$13.5$0.11
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$112$6.99$15.3$14.5$0.72
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$105$6.27$11.3$9.73$1.58
2016Summary only. Only limited summary data is available for this year.$108$103$4.69$12.8$13.3$0.44
2015Detailed filing. Detailed filing data is available for this year.$103$97.9$5.13$12.8$11.9$0.85
2014Detailed filing. Detailed filing data is available for this year.$96.4$92.1$4.27$11.2$11.5$0.24
2013Summary only. Only limited summary data is available for this year.$91.6$87.1$4.52$9.71$10.4$0.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.1$82.2$5.96$10.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.0$79.6$5.38$12.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.4$75.0$6.46$13.0
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Sep 13, 2023
Return Version
2022v5.0
Gross Receipts
$13,999,649
Mission and Program Overview

Mission

LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,500 members and issuing at least two of its publications a year. The Society provides life and annuity products for our particular ethnic group (Portuguese-Americans) in an organizational structure allowing fraternal, cultural, charitable, humanitarian, educational and social activities for the betterment of our policyholders and members and others and for local, national and international communities.

LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members, issuing at least two of its publications a year. The Society provides life and annuity products for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$106,068,401$108,998,390▲ $2,929,989
Other Notes and Loans Receivable, Net$18,307,915$20,812,254▲ $2,504,339
Rtn Earn Endowment Incm Other Fnds$7,254,358$5,784,720▼ $1,469,638
Savings and Temporary Cash Investments$5,002,218$3,228,177▼ $1,774,041
Land, Buildings, and Equipment, Net$2,948,197$2,828,057▼ $120,140
Accounts Receivable$1,911,025$1,811,334▼ $99,691
Cash and Non-Interest-Bearing Accounts$297$0▼ $297
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$136,150,844$139,539,836▲ $3,388,992
Other Assets Total$1,912,791$1,861,624▼ $51,167
Liabilities
Other Liabilities$128,325,348$133,186,895▲ $4,861,547
Accounts Payable and Accrued Expenses$496,424$486,683▼ $9,741
Deferred Revenue$74,714$81,538▲ $6,824
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$128,896,486$133,755,116▲ $4,858,630
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,254,358$5,784,720▼ $1,469,638
Total Liabilities and Net Assets / Fund Balance$136,150,844$139,539,836▲ $3,388,992

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,828,057$2,337,989$5,166,046
Equipment$0$1,101,410$1,101,410
Other Land Buildings$0$0$0
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sue NicholsControllerFT$174,890$174,890
Daniel SequeiraSales DirectorFT$121,841$121,841
Esther MahlerCorporate SecretaryFT$100,985$100,985
Anthony PioCorporate SecretaryFT$16,152$16,152

Board Members and Trustees

NameTitle
Anthony G SozinhoChair Member
Aires PavaoBoard Member
Gerard BatistaBoard Member
John PerdigaoBoard Member
Joseph F MachadoBoard Member
Liz MottaBoard Member
Manuel VieiraBoard Member
Maritana GuadalupeBoard Member
Patricia M LarsonBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Rehon & Roberts APCLegal services830 the Alameda, San Jose, CA 95126$1,122,094
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,666,388
Investment Income
$6,699,925
Other Revenue
$415,465
Change in Net Assets
$-1,469,638
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,502,298
Salaries, Compensation, and Employee Benefits$959,720
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$10,789,398--$10,789,398
Fees for Services Legal$0$1,362,088$0$1,362,088
All Other Expenses$554,327$0$0$554,327
Conferences and Meetings$506,719$0$0$506,719
Current Officers, Directors, Trustees, and Key Employees$0$413,868$0$413,868
Other Salaries and Wages$0$311,021$0$311,021
Other Expenses$215,498$0$0$215,498
Office Expenses$158,812$0$0$158,812
Fees for Services Accounting$0$158,581$0$158,581
Occupancy$140,497$0$0$140,497
Other Employee Benefits$0$127,919$0$127,919
Insurance$114,798$0$0$114,798
Fees for Service Investment Mgmnt Fees$112,078$0$0$112,078
Information Technology$99,784$0$0$99,784
Payroll Taxes$0$69,605$0$69,605
Travel$39,079$0$0$39,079
Pension Plan Contributions$0$37,307$0$37,307
Advertising$31,872$0$0$31,872
Depreciation Depletion$8,165$0$0$8,165
Total Functional Expenses$12,771,027$2,480,389$0$15,251,416
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggregate Reserve$129,722,726
Avr$1,442,350
Deposit Type Contracts$747,184
Contract Claims$709,913
Imr$306,396
Aggregate Reserve - Others$258,326
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“As a fraternal, the Society relies on members and lodges.”

Form 990, Part VI, Section A, Line 7A

“Members chose the delegates to the National Council. Delegates nominate the board members.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is prepared by the consulting accountants using the annual statement and shared with the Secretary, Controller, and the Audit Committee.”

Form 990, Part VI, Section B, Line 12C

“There aren't services required, nor financial transactions accepted with officers, directors, trustees or other key employees without the previous approval of the Board.”

Form 990, Part VI, Section B, Line 15

“The Society's Board follows a formal process of interviews, evaluations, discussion and a final determination in hiring and establishing compensation and benefits packages for key employees.”

Form 990, Part VI, Section C, Line 19

“The Society's documents are available either by request or on the Society's website.”

Filing and Contact Details

Filer

Filer Name
Luso-american Financial a Fraternal Benefit Society
EIN
94-0401313
Phone
9258284884
Address
7080 Donlon Way Suite 200, Dublin, CA 94568

Signing Officer

Name
Sue Nichols
Title
Controller
Phone
9258284884
Signed
2023-09-13

Organization Details

Principal Officer
Sue Nichols
Formed
1957
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
0
Employees
12
Volunteers
2,000
Raw XML AppendixShowing 400 of 623 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members, issuing at least two of its publications a year. The Society provides life and annuity products for its members.
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IRS990/CreditCounselingInd00
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IRS990/Form990PartVIISectionAGrp/PersonNm0Sue Nichols
IRS990/Form990PartVIISectionAGrp/PersonNm1Daniel Sequeira
IRS990/Form990PartVIISectionAGrp/PersonNm2Esther Mahler
IRS990/Form990PartVIISectionAGrp/PersonNm3Anthony Pio
IRS990/Form990PartVIISectionAGrp/PersonNm4Gerard Batista
IRS990/Form990PartVIISectionAGrp/PersonNm5Maritana Guadalupe
IRS990/Form990PartVIISectionAGrp/PersonNm6Patricia M Larson
IRS990/Form990PartVIISectionAGrp/PersonNm7Joseph F Machado
IRS990/Form990PartVIISectionAGrp/PersonNm8Liz Motta
IRS990/Form990PartVIISectionAGrp/PersonNm9Aires Pavao
IRS990/Form990PartVIISectionAGrp/PersonNm10John Perdigao
IRS990/Form990PartVIISectionAGrp/PersonNm11Anthony G Sozinho
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IRS990/MissionDesc0LUSO AMERICAN FINANCIAL is a fraternal benefit society serving over 19,000 members and issues two of its publications a year. The Society provides life and annuity products for our particular ethnic group (Portuguese-Americans) in an organizational structure allowing fraternal, cultural, charitable, humanitarian, educational and social activities for the betterment of our policyholders, members and other local, national and international communities.
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