THE BELLOWS FALLS POLISH AMERICAN CLUB NO1 INC (EIN 030361388) - 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

1938

Legal Domicile

Principal Officer

ELLEN PODGURSKI

Phone

8024633000

Tax Period

2024-01-01 to 2024-12-31

THE BELLOWS FALLS POLISH AMERICAN CLUB NO1 INC, founded in 1938, is a small nonprofit in the Recreation & Sports sector that reported $173K in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $29K, a strong 17% operating margin.

Mission

CITIZENSHIP,FRIENDSHIP,UNITY & AID TO NEEDY

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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 $10,145

Program Service Revenue $0

Investment Income $10,930

Other Revenue $151,832

TOTAL REVENUE $172,907

Expense Breakdown

Grants Paid $6,925

Salaries & Benefits $46,642

Fundraising Expenses $0

Program Expenses $105,988

Other Expenses $90,118

TOTAL EXPENSES $144,302

Year-over-Year Comparison

	2024	2023	Change
Revenue	$172,907	$147,926	+0.2%
Expenses	$144,302	$103,627	+0.4%
Net Income	$28,605	$44,299	-0.4%

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

175

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL WHITCOMB	Trustee	0.50	Director	$0	$0	$0
DAVE SMITH	Trustee	0.50	Director	$0	$0	$0
SUE KINNEY	Trustee	1.50	Director	$0	$0	$0
ELLEN PODGURSKI	President	3.00	Officer	$0	$0	$0
ALISON BIGWOOD	Secretary	1.50	Officer	$0	$0	$0
MARY LAWLOR	Treasurer	25.00	Officer	$0	$0	$0
SCOTT CARR	Vice President	0.50	Officer	$0	$0	$0
RAY COONEY	BAR MANAGER	0.00		$0	$0	$0
JESSE SMART	DIRECTOR	1.50		$0	$0	$0

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	No data	No data	No data	No data
2024	$172,907	$144,302	$320,969	$28,605
2023	$147,926	$103,627	$292,395	$44,299
2022	$82,843	$104,122	$248,157	$-21,279
2021	$72,321	$73,618	$269,061	$-1,297
2020	$53,810	$48,195	$268,737	$5,615
2019	$73,840	$70,187	$264,539	$3,653
2018	$89,469	$73,731	$261,184	$15,738

THE BELLOWS FALLS POLISH AMERICAN CLUB NO1 INC