POLISH AMERICAN CLUB OF DEERFIELD (EIN 041734830) - 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

1983

Legal Domicile

Principal Officer

THOMAS PEABODY

Phone

4136658735

Tax Period

2025-01-01 to 2025-12-31

POLISH AMERICAN CLUB OF DEERFIELD, founded in 1983, is a small nonprofit in the Human Services sector that reported $299K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Net assets of $916K represent 37 months of operating reserves.

Mission

SOCIAL CLUB

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $56,972

Investment Income $25,534

Other Revenue $216,621

TOTAL REVENUE $299,127

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,619

Fundraising Expenses $0

Other Expenses $177,547

TOTAL EXPENSES $291,166

Year-over-Year Comparison

	2025	2024	Change
Revenue	$299,127	$274,795	+0.1%
Expenses	$291,166	$284,931	+0.0%
Net Income	$7,961	$-10,136	-1.8%

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

N/A

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

$13,700

Total Directors

$13,700

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS PEABODY	PRESIDENT	1.00	Officer Director	$4,500	$0	$4,500
DANIEL TELEGA	VICE PRESIDENT	1.00	Officer Director	$3,600	$0	$3,600
THOMAS SJODAHL	TREASURER	1.00	Officer Director	$3,600	$0	$3,600
JUSTIN GALENSKI	DIRECTOR	1.00	Director	$0	$0	$0
JON GALENSKI	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT TELEGA	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH BYSIEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
DEVIN MELNIK	SECRETARY	1.00	Officer Director	$2,000	$0	$2,000
BOB OLSZEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
HANK YABLONSKI	DIRECTOR	1.00	Director	$0	$0	$0
TOHOMAS CHAMUTKA	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY LAURENTIS	DIRECTOR	1.00	Director	$0	$0	$0
PHIL JENKS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CYCZ	TRUSTEE	1.00	Director	$0	$0	$0
JON PEPYNE	DIRECTOR	1.00	Director	$0	$0	$0
RICK SOJKA	DIRECTOR	1.00	Director	$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
2025	$299,127	$291,166	$916,422	$7,961
2024	$274,795	$284,931	$908,462	$-10,136
2023	$290,149	$277,991	$918,599	$12,158
2022	$275,740	$276,916	$906,441	$-1,176
2021	$276,039	$227,384	$915,552	$48,655
2020	$157,495	$246,364	$875,897	$-88,869
2019	$268,765	$295,421	$947,765	$-26,656
2018	$301,310	$288,240	$974,423	$13,070

POLISH AMERICAN CLUB OF DEERFIELD