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Nonprofit · EIN 94-0401313

LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY

Also known as LUSO-AMERICAN PLAZA

Tax-exempt · DUBLIN, CA 94568

Financials

$12.9M$14.3M2023$13.2M$14M2024$13.2M$14.4M2025
Revenue Expenses · by fiscal year end
Financials of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$13,224,254$14,406,252-$1,181,998$142,663,206$140,230,238$2,432,968
December 31, 2024990$13,190,473$13,976,581-$786,108$141,688,736$138,073,767$3,614,969
December 31, 2023990$12,900,869$14,284,512-$1,383,643$140,461,043$136,059,966$4,401,077
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$5,689,808
Investment income
$7,130,439
Net rental income
$276,484
Net gain from sales of assets
-$300,000
Other revenue
$404,007

Expenses

Grants and similar amounts paid
$0
Benefits paid to members
$10,739,392
Compensation of officers, directors and key employees
$456,889
Other salaries and wages
$535,146
Salaries, compensation and benefits (total)
$1,217,711
Professional fundraising fees
$0
Legal fees
$262,671
Accounting fees
$189,733
Occupancy
$141,836
Travel
$22,350
Depreciation
$11,364
Program services (functional)
$12,736,137
Management and general (functional)
$1,670,115

Balance sheet and other

Total assets, start of year
$141,688,736
Total assets, end of year
$142,663,206
Total liabilities, end of year
$140,230,238
Net assets, end of year
$2,432,968
Land, buildings and equipment
$2,465,225
Publicly traded securities
$117,778,232
Gross receipts
$13,845,828
Employees
24
Volunteers
1,800
Year formed
1957
State of legal domicile
CA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensation
Sue NicholsController
Officer, Key employee
40$220,074
Daniel SequeiraSenior Sales Agent
Key employee
40$119,861
Esther MahlerCorporate Secretary
Officer
40$116,954
Mina GrossoBoard Member
Trustee or director
4$0
Maritana GuadalupeBoard Member
Trustee or director
4$0
Judy MottiniBoard Member
Trustee or director
4$0
Dan RochaBoard Member
Trustee or director
4$0
Tina MedeirosBoard Member
Trustee or director
4$0
John PerdigaoBoard Member
Trustee or director
4$0
Anthony G SozinhoChair Member
Trustee or director
4$0
Manuel VieiraBoard Member
Trustee or director
4$0
Liz MottaBoard Member
Institutional trustee
4$0
990 for the year ended December 31, 2024: 12 people
NameTitleHours / weekCompensation
Sue NicholsController
Officer, Key employee
40$169,962
Esther MahlerCorporate Secretary
Officer
40$110,036
Daniel SequeiraSales Director
Key employee, Former
40$6,126
Mina GrossoBoard Member
Trustee or director
4$0
Maritana GuadalupeBoard Member
Trustee or director
4$0
Judy MottiniBoard Member
Trustee or director
4$0
Dan RochaBoard Member
Trustee or director
4$0
Liz MottaBoard Member
Trustee or director
4$0
Tina MedeirosBoard Member
Trustee or director
4$0
John PerdigaoBoard Member
Trustee or director
4$0
Anthony G SozinhoChair Member
Trustee or director
4$0
Manuel VieiraBoard Member
Trustee or director
4$0
990 for the year ended December 31, 2023: 12 people
NameTitleHours / weekCompensation
Sue NicholsController
Officer, Key employee
40$164,801
Daniel SequeiraSales Director
Key employee
40$124,595
Esther MahlerCorporate Secretary
Officer
40$107,467
Gerard BatistaBoard Member
Trustee or director
4$0
Maritana GuadalupeBoard Member
Trustee or director
4$0
Patricia M LarsonBoard Member
Trustee or director
4$0
Joseph F MachadoBoard Member
Trustee or director
4$0
Liz MottaBoard Member
Trustee or director
4$0
Aires PavaoBoard Member
Trustee or director
4$0
John PerdigaoBoard Member
Trustee or director
4$0
Anthony G SozinhoChair Member
Trustee or director
4$0
Manuel VieiraBoard Member
Trustee or director
4$0

Address and contacts

Address (IRS master file)
7080 DONLON WAY STE 200, DUBLIN, CA 94568-2789
Mailing address (990-N for 2015)
7080 Donlon Way Suite 200, Dublin CA 94568
Principal officer (990 for 2025)
SUE NICHOLS, 7080 DONLON WAY, STE 200, DUBLIN, CA 94568
Principal officer (990-N for 2015)
Lino M Amaral, 7080 Donlon Way, Dublin CA 94568
Signed the 990
Sue Nichols, Controller
Phone
(925) 828-4884

California records

California keeps its own records of charities and corporations. Search them by EIN 94-0401313 or by the name LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY.

Attorney General, Registry of Charities and Fundraisers
Registration status and filed reports (CT-TR-1, RRF-1)

Mission

LUSO 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.

990 for the year ended December 31, 2025

Program accomplishments

  • LUSO 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.
    Expenses $12,736,137

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
94-0401313
Tax-exempt status
501(c)(8): Fraternal beneficiary society
Donations deductible (Pub 78)
Organization other than a public charity or private foundation; Group exemption; Fraternal lodge, deductible only for charitable purposes
Exempt since
1958
Accounting year ends
December
Files
Form 990 or 990-EZ
Group exemption
1436 (58 member organizations)
Assets (IRS master file)
$142,663,206
Income (IRS master file)
$13,845,828

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$13,224,254$14,406,252$142,663,206XML
990December 2024$13,190,473$13,976,581$141,688,736XML
990December 2023$12,900,869$14,284,512$140,461,043XML
990December 2022$13,781,778$15,251,416$139,539,836IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS
990December 2017–––IRS
990-N for 2015
Officer: Lino M Amaral
December 31, 2015≤ $50,000 receipts––e-Postcard

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-0401313).

Questions about LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY

What is the EIN of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY?
The employer identification number (EIN) of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY is 94-0401313.
Is LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(8) since 1958.
Are donations to LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY tax-deductible?
Yes. It is listed in IRS Publication 78 (Organization other than a public charity or private foundation; Group exemption; Fraternal lodge, deductible only for charitable purposes).
Which annual return does LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY?
The 990 for the year ended December 31, 2025 names SUE NICHOLS.
Who are the officers and directors of LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY?
The 990 for the year ended December 31, 2025 lists 12 people; 3 received compensation from the organization, the highest $220,074 (Sue Nichols, Controller).
How much revenue does LUSO-AMERICAN FINANCIAL A FRATERNAL BENEFIT SOCIETY have?
On its 990 for the year ended December 31, 2025 it reported revenue of $13,224,254, expenses of $14,406,252 and total assets of $142,663,206 at year end.

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